Citizens Financial Group said net income for Q4 2025 was $528 million and diluted earnings per share were $1.13. Net income for the prior quarter Q3 was $494 million and diluted earnings per share were $1.05.

1. 01

   Citizens Financial Group said net income for Q4 2025 was $528 million and diluted earnings per share were $1.13. Net income for the prior quarter Q3 was $494 million and diluted earnings per share were $1.05.

2. 02

   The company said net interest income for Q4 2025 was $1.5 billion, up 3.3% from the prior quarter. It said net interest margin on an FTE basis was 3.07%, up 7 basis points.

3. 03

   Citizens Financial Group said net charge-offs for Q4 2025 were $155 million, or 43 basis points of average loans, and provision for credit losses was $137 million. Net charge-offs in the prior quarter were 46 basis points of average loans and provision for credit losses was $154 million.

4. 04

   The company said the CET1 ratio as of December 31, 2025 was 10.6% and its board declared a quarterly common stock dividend of $0.46 per share. The dividend is payable on February 18, 2026 to shareholders of record at the close of business on February 4, 2026.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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