CITIZENS FINANCIAL GROUP INC/RI
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CFG Q2 2025 request
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| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 1,851 | 2,011 | -8.0% |
| Interest And Fee Income Loans Held For Sale Mortgages | 36 | 17 | +111.8% |
| Interest And Dividend Income Securities | 428 | 417 | +2.6% |
| Interest Income Deposits With Financial Institutions | 92 | 130 | -29.2% |
| Interest And Dividend Income Operating | 2,407 | 2,575 | -6.5% |
| Interest Expense Deposits | 802 | 965 | -16.9% |
| Interest Expense Short Term Borrowings | 9 | 4 | +125.0% |
| Interest Expense Long Term Debt | 159 | 196 | -18.9% |
| Interest Expense Operating | 970 | 1,165 | -16.7% |
| Interest Income Expense Net | 1,437 | 1,410 | +1.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 439 | 494 | -11.1% |
| Consumer Banking · Operating Segments | 1,218 | 1,120 | +8.8% |
| Non-Core · Operating Segments | -5 | -31 | +83.9% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -215 | -173 | -24.3% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 164 | 182 | -9.9% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 84 | 90 | -6.7% |
| Consumer Banking · Operating Segments | 81 | 84 | -3.6% |
| Non-Core · Operating Segments | 2 | 10 | -80.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -3 | -2 | -50.0% |
| Interest Income Expense After Provision For Loan Loss | 1,273 | 1,228 | +3.7% |
| Service Chargesand Fees | 111 | 106 | +4.7% |
| Capital Markets Fees | 105 | 134 | -21.6% |
| Fees And Commissions Credit And Debit Cards1 | 90 | 92 | -2.2% |
| Wealth Fees | 88 | 75 | +17.3% |
| Fees And Commissions Mortgage Banking And Servicing | 73 | 54 | +35.2% |
| Foreign Exchange And Trade Finance Fees | 41 | 39 | +5.1% |
| Letter Of Credit And Loan Fees | 45 | 43 | +4.7% |
| Debt Securities Realized Gain Loss | 5 | — | — |
| Noninterest Income Other | 42 | 10 | +320.0% |
| Noninterest Income | 600 | 553 | +8.5% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 232 | 242 | -4.1% |
| Consumer Banking · Operating Segments | 329 | 277 | +18.8% |
| Non-Core · Operating Segments | 3 | — | — |
Show Tax Credit Program [Axis] breakouts |
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| Allocated income (loss) on investments · Variable Interest Entity Not Primary Beneficiary | -4 | -3 | -33.3% |
| Net benefit (expense) included in Noninterest income · Variable Interest Entity Not Primary Beneficiary | -2 | -1 | -100.0% |
| Other income · Variable Interest Entity Not Primary Beneficiary | 2 | 2 | 0.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 36 | 34 | +5.9% |
| Labor And Related Expense | 681 | 645 | +5.6% |
| Equipment Expense | 193 | 190 | +1.6% |
| Professional Fees | 169 | 165 | +2.4% |
| Occupancy Net | 108 | 113 | -4.4% |
| Other Noninterest Expense | 168 | 188 | -10.6% |
| Noninterest Expense | 1,319 | 1,301 | +1.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 317 | 311 | +1.9% |
| Consumer Banking · Operating Segments | 963 | 915 | +5.2% |
| Non-Core · Operating Segments | 15 | 26 | -42.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 24 | 49 | -51.0% |
| Income Before Taxes | 554 | 480 | +15.4% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 270 | 335 | -19.4% |
| Consumer Banking · Operating Segments | 503 | 398 | +26.4% |
| Non-Core · Operating Segments | -19 | -67 | +71.6% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -200 | -186 | -7.5% |
| Income Tax Expense (Benefit) | 118 | 88 | +34.1% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 64 | 76 | -15.8% |
| Consumer Banking · Operating Segments | 127 | 102 | +24.5% |
| Non-Core · Operating Segments | -5 | -17 | +70.6% |
Show Tax Credit Program [Axis] breakouts |
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| Amortization · Variable Interest Entity Not Primary Beneficiary | 104 | 89 | +16.9% |
| Net benefit (expense) included in Income tax expense · Variable Interest Entity Not Primary Beneficiary | -26 | -29 | +10.3% |
| Other tax benefits recognized · Variable Interest Entity Not Primary Beneficiary | -26 | -24 | -8.3% |
| Tax credits recognized · Variable Interest Entity Not Primary Beneficiary | -104 | -94 | -10.6% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -68 | -73 | +6.8% |
| Net Income | 436 | 392 | +11.2% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 206 | 259 | -20.5% |
| Consumer Banking · Operating Segments | 376 | 296 | +27.0% |
| Non-Core · Operating Segments | -14 | -50 | +72.0% |
Show Equity Components breakouts |
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| Retained Earnings | 436 | 392 | +11.2% |
Show Tax Credit Program [Axis] breakouts |
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| Net Income (Loss) Attributable To Parent, Net Benefit · Variable Interest Entity Not Primary Beneficiary | 24 | 28 | -14.3% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -132 | -113 | -16.8% |
| Net Income Loss Available To Common Stockholders Basic | 402 | 357 | +12.6% |
| Wtd Avg Shares (Basic) | 433,640,210 | 454,142,489 | -4.5% |
| Wtd Avg Shares (Diluted) | 436,539,774 | 456,561,022 | -4.4% |
| EPS (Basic) | 0.93 | 0.79 | +17.7% |
| EPS (Diluted) | 0.92 | 0.78 | +17.9% |
| Revenue | 2,037 | 1,963 | +3.8% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 671 | 736 | -8.8% |
| Consumer Banking · Operating Segments | 1,547 | 1,397 | +10.7% |
| Non-Core · Operating Segments | -2 | -31 | +93.5% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -179 | -139 | -28.8% |
| Revenue | 383 | 402 | -4.7% |
Show Product Lines breakouts |
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| Capital markets fees | 95 | 126 | -24.6% |
| Capital markets fees · Commercial Banking | 95 | 126 | -24.6% |
| Card fees | 87 | 91 | -4.4% |
| Card fees · Commercial Banking | 13 | 13 | 0.0% |
| Card fees · Consumer Banking | 74 | 74 | 0.0% |
| Other banking fees | 2 | 5 | -60.0% |
| Other banking fees · Commercial Banking | 2 | 4 | -50.0% |
| Service charges and fees | 111 | 105 | +5.7% |
| Service charges and fees · Commercial Banking | 34 | 30 | +13.3% |
| Service charges and fees · Consumer Banking | 77 | 75 | +2.7% |
| Wealth fees | 88 | 75 | +17.3% |
| Wealth fees · Consumer Banking | 88 | 75 | +17.3% |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 144 | 173 | -16.8% |
| Consumer Banking · Operating Segments | 239 | 224 | +6.7% |
| Comprehensive Income | 738 | 421 | +75.3% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 302 | 29 | +941.4% |
| Retained Earnings | 436 | 392 | +11.2% |
| Other Comprehensive Income | 302 | 29 | +941.4% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | 1 | 2 | -50.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 228 | 41 | +456.1% |
| Accumulated Net Unrealized Investment Gain Loss | 73 | -14 | +621.4% |
| Accumulated Other Comprehensive Income | 302 | 29 | +941.4% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | 83 | -129 | +164.3% |
| Preferred Stock Dividends Income Statement Impact | 34 | 35 | -2.9% |
| Marketing And Advertising Expense | 45 | 49 | -8.2% |
| Other Expenses | 85 | 93 | -8.6% |
Balance Sheet
| Metric | Q2 2025 | Q2 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 855 | 863 | -0.9% |
| Goodwill | 8,187 | 8,187 | 0.0% |
| Total Assets | 218,310 | 219,938 | -0.7% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 3,008 | 5,267 | -42.9% |
| Other Assets | |||
| Cash And Due From Banks | 1,107 | — | — |
| Interest Bearing Cash And Due From Banks | 7,441 | 10,580 | -29.7% |
| Interest Bearing Deposits In Banks | 680 | 559 | +21.6% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 173 | 209 | -17.2% |
| Debt Securities Available For Sale Excluding Accrued Interest | 34,658 | 31,938 | +8.5% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 | 4,401 | 5,012 | -12.2% |
| Fair Value Inputs Level1 · US Treasury Securities | 4,401 | 5,012 | -12.2% |
| Fair Value Inputs Level2 | 30,257 | 26,926 | +12.4% |
| Fair Value Inputs Level2 · Collateralized Debt Obligations | 124 | 294 | -57.8% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 30,132 | 26,631 | +13.1% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 1 | 1 | 0.0% |
Show Financial Instrument breakouts |
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| Collateralized Debt Obligations | 124 | 294 | -57.8% |
| Debt Securities | 34,658 | 31,938 | +8.5% |
| Mortgage Backed Securities | 30,132 | 26,631 | +13.1% |
| Mortgage Backed Securities Issued By Private Enterprises | 263 | 253 | +4.0% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 29,869 | 26,378 | +13.2% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury And Government | 4,401 | 5,012 | -12.2% |
Show Fair Value By Asset Class breakouts |
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| Collateralized Debt Obligations | 124 | 294 | -57.8% |
| Mortgage Backed Securities | 30,132 | 26,631 | +13.1% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury Securities | 4,401 | 5,012 | -12.2% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 114 | 68 | +67.6% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 8,293 | 8,895 | -6.8% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 7,919 | 8,447 | -6.3% |
| Fair Value Inputs Level3 | 374 | 448 | -16.5% |
Show Financial Instrument breakouts |
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| Asset Backed Securities | 374 | 448 | -16.5% |
| Mortgage Backed Securities | 7,919 | 8,447 | -6.3% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 7,919 | 8,447 | -6.3% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 374 | 448 | -16.5% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 69 | 175 | -60.6% |
| Loans Receivable Held For Sale Amount | 2,093 | — | — |
Show Business Segments breakouts |
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| Non-Core | 1.9 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Commercial loans held for sale | 169 | — | — |
| Fair Value Inputs Level2 · Residential loans held for sale | 766 | — | — |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 348 | — | — |
| Consumer Portfolio Segment | 766 | — | — |
| Other Retail | 979 | — | — |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 139,304 | 141,842 | -1.8% |
Show Collateral breakouts |
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| Collateral Dependent · Commercial Portfolio Segment | 287 | 404 | -29.0% |
| Collateral Dependent · Consumer Portfolio Segment | 410 | 530 | -22.6% |
Show Credit Score Fico breakouts |
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| 620-679 · Consumer Portfolio Segment | 3,149 | 3,523 | -10.6% |
| 620-679 · Consumer Portfolio Segment | 450 | 576 | -21.9% |
| 620-679 · Consumer Portfolio Segment | 1,019 | 939 | +8.5% |
| 620-679 · Consumer Portfolio Segment | 376 | 709 | -47.0% |
| 620-679 · Consumer Portfolio Segment | 987 | 938 | +5.2% |
| 620-679 · Consumer Portfolio Segment | 317 | 361 | -12.2% |
| 680-739 · Consumer Portfolio Segment | 9,598 | 10,342 | -7.2% |
| 680-739 · Consumer Portfolio Segment | 1,065 | 1,293 | -17.6% |
| 680-739 · Consumer Portfolio Segment | 3,476 | 3,066 | +13.4% |
| 680-739 · Consumer Portfolio Segment | 666 | 1,372 | -51.5% |
| 680-739 · Consumer Portfolio Segment | 3,338 | 3,264 | +2.3% |
| 680-739 · Consumer Portfolio Segment | 1,053 | 1,347 | -21.8% |
| 740-799 · Consumer Portfolio Segment | 20,641 | 21,583 | -4.4% |
| 740-799 · Consumer Portfolio Segment | 1,185 | 1,401 | -15.4% |
| 740-799 · Consumer Portfolio Segment | 5,951 | 5,237 | +13.6% |
| 740-799 · Consumer Portfolio Segment | 929 | 1,838 | -49.5% |
| 740-799 · Consumer Portfolio Segment | 9,894 | 9,418 | +5.1% |
| 740-799 · Consumer Portfolio Segment | 2,682 | 3,689 | -27.3% |
| Greater than 800 · Consumer Portfolio Segment | 30,952 | 31,135 | -0.6% |
| Greater than 800 · Consumer Portfolio Segment | 757 | 834 | -9.2% |
| Greater than 800 · Consumer Portfolio Segment | 6,386 | 5,584 | +14.4% |
| Greater than 800 · Consumer Portfolio Segment | 976 | 1,806 | -46.0% |
| Greater than 800 · Consumer Portfolio Segment | 18,514 | 17,222 | +7.5% |
| Greater than 800 · Consumer Portfolio Segment | 4,319 | 5,689 | -24.1% |
| Less than 620 · Consumer Portfolio Segment | 2,885 | 2,887 | -0.1% |
| Less than 620 · Consumer Portfolio Segment | 328 | 348 | -5.7% |
| Less than 620 · Consumer Portfolio Segment | 874 | 708 | +23.4% |
| Less than 620 · Consumer Portfolio Segment | 460 | 658 | -30.1% |
| Less than 620 · Consumer Portfolio Segment | 1,074 | 1,029 | +4.4% |
| Less than 620 · Consumer Portfolio Segment | 149 | 144 | +3.5% |
| No FICO available · Consumer Portfolio Segment | 437 | 438 | -0.2% |
| No FICO available · Consumer Portfolio Segment | 386 | 384 | +0.5% |
| No FICO available · Consumer Portfolio Segment | 16 | 19 | -15.8% |
| No FICO available · Consumer Portfolio Segment | 30 | 35 | -14.3% |
| No FICO available · Consumer Portfolio Segment | 5 | — | — |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 71,642 | 71,934 | -0.4% |
| Commercial Portfolio Segment · Commercial Loan | 45,412 | 43,623 | +4.1% |
| Commercial Portfolio Segment · Commercial Loan | 45,104 | 43,311 | +4.1% |
| Commercial Portfolio Segment · Commercial Loan | 60 | 27 | +122.2% |
| Commercial Portfolio Segment · Commercial Loan | 12 | 17 | -29.4% |
| Commercial Portfolio Segment · Commercial Loan | 3 | 7 | -57.1% |
| Commercial Portfolio Segment · Commercial Loan | 233 | 261 | -10.7% |
| Commercial Portfolio Segment · Commercial Loan | 42,894 | 40,625 | +5.6% |
| Commercial Portfolio Segment · Commercial Loan | 779 | 963 | -19.1% |
| Commercial Portfolio Segment · Commercial Loan | 1,506 | 1,774 | -15.1% |
| Commercial Portfolio Segment · Commercial Real Estate | 26,230 | 28,311 | -7.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 25,384 | 27,424 | -7.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 75 | 72 | +4.2% |
| Commercial Portfolio Segment · Commercial Real Estate | 5 | 101 | -95.0% |
| Commercial Portfolio Segment · Commercial Real Estate | 60 | 36 | +66.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 706 | 678 | +4.1% |
| Commercial Portfolio Segment · Commercial Real Estate | 21,247 | 22,956 | -7.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 2,128 | 1,995 | +6.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 2,149 | 2,682 | -19.9% |
| Commercial Portfolio Segment · Doubtful | 939 | 939 | 0.0% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 63 | 43 | +46.5% |
| Commercial Portfolio Segment · Financing Receivables1 To29 Days Past Due | 70,488 | 70,735 | -0.3% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 135 | 99 | +36.4% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 17 | 118 | -85.6% |
| Commercial Portfolio Segment · Pass | 64,141 | 63,581 | +0.9% |
| Commercial Portfolio Segment · Special Mention | 2,907 | 2,958 | -1.7% |
| Commercial Portfolio Segment · Substandard | 3,655 | 4,456 | -18.0% |
| Consumer Portfolio Segment | 67,662 | 69,908 | -3.2% |
| Consumer Portfolio Segment · Automobile Loan | 3,407 | 6,383 | -46.6% |
| Consumer Portfolio Segment · Automobile Loan | 3,278 | 6,190 | -47.0% |
| Consumer Portfolio Segment · Automobile Loan | 70 | 113 | -38.1% |
| Consumer Portfolio Segment · Automobile Loan | 25 | 36 | -30.6% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 131 | 185 | -29.2% |
| Consumer Portfolio Segment · Financing Receivables1 To29 Days Past Due | 66,525 | 68,615 | -3.0% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 295 | 362 | -18.5% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 126 | 158 | -20.3% |
| Consumer Portfolio Segment · Home equity | 17,711 | 15,534 | +14.0% |
| Consumer Portfolio Segment · Home equity | 17,323 | 15,147 | +14.4% |
| Consumer Portfolio Segment · Home equity | 79 | 79 | 0.0% |
| Consumer Portfolio Segment · Home equity | 27 | 29 | -6.9% |
| Consumer Portfolio Segment · Other retail | 4,171 | 4,836 | -13.8% |
| Consumer Portfolio Segment · Other retail | 4,057 | 4,707 | -13.8% |
| Consumer Portfolio Segment · Other retail | 37 | 40 | -7.5% |
| Consumer Portfolio Segment · Other retail | 24 | 28 | -14.3% |
| Consumer Portfolio Segment · Other retail | 1 | 1 | 0.0% |
| Consumer Portfolio Segment · Residential Mortgage | 33,823 | 31,890 | +6.1% |
| Consumer Portfolio Segment · Residential Mortgage | 33,387 | 31,417 | +6.3% |
| Consumer Portfolio Segment · Residential Mortgage | 76 | 93 | -18.3% |
| Consumer Portfolio Segment · Residential Mortgage | 34 | 45 | -24.4% |
| Consumer Portfolio Segment · Residential Mortgage | 128 | 182 | -29.7% |
| Consumer Portfolio Segment · Student Loan | 8,550 | 11,265 | -24.1% |
| Consumer Portfolio Segment · Student Loan | 8,480 | 11,154 | -24.0% |
| Consumer Portfolio Segment · Student Loan | 33 | 37 | -10.8% |
| Consumer Portfolio Segment · Student Loan | 16 | 20 | -20.0% |
| Consumer Portfolio Segment · Student Loan | 2 | 2 | 0.0% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Guaranteed residential mortgages | 993 | 1,076 | -7.7% |
| Guaranteed residential mortgages · Financing Receivables Equal To Greater Than90 Days Past Due | 128 | 168 | -23.8% |
| Guaranteed residential mortgages · Financing Receivables1 To29 Days Past Due | 800 | 821 | -2.6% |
| Guaranteed residential mortgages · Financing Receivables30 To59 Days Past Due | 39 | 59 | -33.9% |
| Guaranteed residential mortgages · Financing Receivables60 To89 Days Past Due | 26 | 28 | -7.1% |
Show Financing Receivables Period Past Due breakouts |
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| Financing Receivables Equal To Greater Than90 Days Past Due | 194 | 228 | -14.9% |
| Financing Receivables1 To29 Days Past Due | 137,013 | 139,350 | -1.7% |
| Financing Receivables30 To59 Days Past Due | 430 | 461 | -6.7% |
| Financing Receivables60 To89 Days Past Due | 143 | 276 | -48.2% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -2,008 | -2,125 | +5.5% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -1,106 | -1,282 | +13.7% |
| Consumer Portfolio Segment | -902 | -843 | -7.0% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 137,296 | 139,717 | -1.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 697 | 934 | -25.4% |
| Fair Value Inputs Level3 | 136,599 | 138,783 | -1.6% |
Show Financial Instrument breakouts |
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| Residential Mortgage · Consumer Portfolio Segment | 39 | 36.5 | +6.8% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 4,521 | 4,378 | +3.3% |
| Variable Interest Entity Primary Beneficiary | 2,815 | 5,034 | -44.1% |
Show Financing Receivable Portfolio breakouts |
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| Consumer and Commercial Portfolio Segment · Education, commercial and industrial, and commercial real estate loans | 21.4 | 28 | -23.6% |
| Derivative Assets | 832 | 367 | +126.7% |
| Bank Owned Life Insurance | 3,408 | 3,325 | +2.5% |
| Other Intangible Assets Net | 129 | 139 | -7.2% |
| Other Assets | 13,331 | 13,494 | -1.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary · Low Income Housing Tax Credit Partnerships | 2,630 | 2,537 | +3.7% |
| Variable Interest Entity Not Primary Beneficiary · New Market Tax Credit Investments | 2 | 3 | -33.3% |
| Variable Interest Entity Not Primary Beneficiary · Renewable Energy | 234 | 283 | -17.3% |
| Variable Interest Entity Primary Beneficiary | 20 | 24 | -16.7% |
| Non-Current Liabilities | |||
| Long-Term Debt | 12,526 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 12,526 | — | — |
Show Debt Instrument breakouts |
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| 2.500% fixed-rate senior unsecured notes, due February 2030 · Parent Company | 299 | — | — |
| 2.638% fixed-rate subordinated debt, due September 2032 · Parent Company | 573 | — | — |
| 2.850% fixed-rate senior unsecured notes, due July 2026 · Parent Company | 499 | — | — |
| 3.250% fixed-rate senior unsecured notes, due April 2030 · Parent Company | 747 | — | — |
| 3.750% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 69 | — | — |
| 3.750% senior unsecured notes, due February 2026 · Subsidiaries | 496 | — | — |
| 4.300% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 135 | — | — |
| 4.300% fixed-rate subordinated debt, due December 2025 · Parent Company | 336 | — | — |
| 4.350% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 61 | — | — |
| 4.350% fixed-rate subordinated debt, due August 2025 · Parent Company | 133 | — | — |
| 4.575% fixed/floating-rate senior unsecured notes, due August 2028 · Subsidiaries | 799 | — | — |
| 5.253% fixed/floating-rate senior unsecured notes, due March 2031 · Parent Company | 746 | — | — |
| 5.641% fixed-rate reset subordinated debt, due May 2037 · Parent Company | 398 | — | — |
| 5.718% fixed/floating-rate senior unsecured notes, due July 2032 · Parent Company | 1,244 | — | — |
| 5.841% fixed/floating-rate senior unsecured notes, due January 2030 · Parent Company | 1,246 | — | — |
| 6.645% fixed/floating-rate senior unsecured notes, due April 2035 · Parent Company | 746 | — | — |
Show Consolidated Entities breakouts |
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| Subsidiaries · Federal Home Loan Bank Advances | 1,542 | — | — |
| Subsidiaries · Other | 19 | — | — |
| Subsidiaries · Secured Debt | 2,438 | — | — |
| Variable Interest Entity Primary Beneficiary | 2,411 | — | — |
| Total Liabilities | 193,076 | 196,069 | -1.5% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 2,417 | 4,201 | -42.5% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 38,001 | 36,927 | +2.9% |
| Interest Bearing Deposit Liabilities | 137,085 | 139,425 | -1.7% |
| Deposits | 175,086 | 176,352 | -0.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 175,086 | 176,352 | -0.7% |
| Short Term Borrowings | 249 | — | — |
Show Credit Facility breakouts |
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| Secured Debt · Federal Home Loan Bank Advances and Letters of Credit | 6.3 | — | — |
| Derivative Liabilities | 766 | 1,547 | -50.5% |
| Other Liabilities | 4,449 | 5,086 | -12.5% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 1,054 | 1,068 | -1.3% |
| Variable Interest Entity Primary Beneficiary | 6 | 11 | -45.5% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,113 | — | — |
Show Statement Class Of Stock breakouts |
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| Series B Preferred Stock | 296 | — | — |
| Series C Preferred Stock | 297 | — | — |
| Series E Preferred Stock | 437 | — | — |
| Series F Preferred Stock | 395 | — | — |
| Series G Preferred Stock | 296 | — | — |
| Series H Preferred Stock | 392 | — | — |
| Common Stock | 7 | 6 | +16.7% |
| Additional Paid-In Capital | 22,420 | 22,299 | +0.5% |
| Retained Earnings | 10,783 | 10,079 | +7.0% |
| Treasury Stock Common Value | -7,450 | -6,492 | -14.8% |
| Accumulated Other Comprehensive Income | -2,639 | -4,135 | +36.2% |
| Total Stockholders' Equity | 25,234 | 23,869 | +5.7% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | -297 | -322 | +7.8% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -341 | -1,302 | +73.8% |
| Accumulated Net Unrealized Investment Gain Loss | -2,001 | -2,511 | +20.3% |
| Accumulated Other Comprehensive Income | -2,639 | -4,135 | +36.2% |
| Additional Paid In Capital | 22,420 | 22,299 | +0.5% |
| Common Stock | 7 | 6 | +16.7% |
| Preferred Stock | 2,113 | 2,112 | 0.0% |
| Retained Earnings | 10,783 | 10,079 | +7.0% |
| Treasury Stock Common | -7,450 | -6,492 | -14.8% |
| Total Liabilities & Equity | 218,310 | 219,938 | -0.7% |
Cash Flow Statement
| Metric | YTD Q2 2025 | YTD Q2 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 809 | 726 | +11.4% |
| Increase Decrease In Loans Held For Sale | -297 | 85 | -449.4% |
| Depreciation Amortization And Accretion Net | 247 | 245 | +0.8% |
| Deferred Income Taxes | -115 | -32 | -259.4% |
| Allocated Share Based Compensation Expense | 74 | 55 | +34.5% |
| Gain Loss On Disposition Of Assets1 | -14 | -5 | -180.0% |
| Increase Decrease In Other Operating Assets | 359 | 277 | +29.6% |
| Increase Decrease In Other Operating Liabilities | -707 | -316 | -123.7% |
| Net Cash from Operations | 673 | 1,388 | -51.5% |
| Depreciation & Amortization (YTD) | — | — | — |
Show Business Segments breakouts |
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| Commercial Banking · Operating Segments | 10 | 14 | -28.6% |
| Consumer Banking · Operating Segments | 61 | 55 | +10.9% |
| Non-Core · Operating Segments | 155 | 155 | 0.0% |
| Depreciation & Amortization (Q) | — | — | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 77 | — | — |
| Investing Activities | |||
| Purchases of Investments | -4,125 | -4,487 | +8.1% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 1,809 | 1,318 | +37.3% |
| Proceeds From Sale Of Available For Sale Securities Debt | 1,117 | 703 | +58.9% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 348 | 324 | +7.4% |
| Proceeds From Payments For In Interest Bearing Deposits In Banks | -45 | -154 | +70.8% |
| Payments To Acquire Finance Receivables | -503 | -440 | -14.3% |
| Proceeds From Sale Of Finance Receivables | 911 | 125 | +628.8% |
| Payments For Proceeds From Loans And Leases | -1,821 | 3,831 | -147.5% |
| Payments For Proceeds From Productive Assets | -47 | -40 | -17.5% |
| Other Investing Activities | -180 | 38 | -573.7% |
| Net Cash from Investing | -2,536 | 1,218 | -308.2% |
| Transfer Of Portfolio Loans And Leases To Held For Sale1 | 1,918 | 215 | +792.1% |
| Financing Activities | |||
| Increase Decrease In Deposits | 310 | -990 | +131.3% |
| Proceeds From Repayments Of Short Term Debt | 249 | -503 | +149.5% |
| Proceeds From Issuance Of Long Term Debt | 6,033 | 10,853 | -44.4% |
| Repayments Of Long Term Debt | -5,926 | -11,256 | +47.4% |
| Share Repurchases | -400 | -500 | +20.0% |
| Payments Of Dividends Common Stock | -371 | -391 | +5.1% |
| Payments Of Dividends Preferred Stock And Preference Stock | -67 | -61 | -9.8% |
Show Statement Class Of Stock breakouts |
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| Series B Preferred Stock | -12 | -13 | +7.7% |
| Series C Preferred Stock | -12 | -10 | -20.0% |
| Series E Preferred Stock | -11 | -11 | 0.0% |
| Series F Preferred Stock | -11 | -11 | 0.0% |
| Series G Preferred Stock | -6 | -6 | 0.0% |
| Series H Preferred Stock | -15 | — | — |
| Proceeds From Payments For Other Financing Activities | -18 | -6 | -200.0% |
| Net Cash from Financing | -190 | -2,463 | +92.3% |
| Other Cash Flow | |||
| Net Change in Cash | -2,053 | 143 | -1535.7% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 8,548 | 11,771 | -27.4% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.