US-listed companies
CITIZENS FINANCIAL GROUP INC

CITIZENS FINANCIAL GROUP INCCFG

Market cap

$18.7B

P/E ratio

Income statement Balance sheet Cash flow

	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023
Interest and fees on loans and leases	-	-	-	-	-	5,441	4,719	4,253	5,968	8,489
Interest and fees on loans held for sale	5	10	15	18	37	63	75	82	67	73
Interest and fees on other loans held for sale	23	7	6	10	10	13	33	13	57	29
Investment securities	619	621	584	625	672	642	519	487	840	1,162
Interest-bearing deposits in banks	5	5	8	18	29	30	11	16	128	451
Total interest income	3,664	3,854	4,266	4,920	5,758	6,189	5,357	4,851	7,060	10,204
Deposits	156	237	270	441	785	1,155	509	160	651	3,145
Short-term borrowed funds	-	-	-	-	-	-	2	1	23	43
Long-term borrowed funds	82	132	196	272	378	410	260	178	374	775
Total interest expense	363	452	508	747	1,226	1,575	771	339	1,048	3,963
Net interest income	3,301	3,402	3,758	4,173	4,532	4,614	4,586	4,512	6,012	6,241
Provision (benefit) for credit losses	-	-	-	-	-	-	-	-	474	687
Net interest income after provision (benefit) for credit losses	2,982	3,100	3,389	3,852	4,206	4,221	2,970	4,923	5,538	5,554
Service charges and fees	574	575	599	516	513	505	403	409	420	410
Capital markets fees	91	88	125	194	179	216	250	428	368	319
Card fees	-	-	-	-	244	254	217	250	273	296
Mortgage banking fees	-	-	-	-	152	302	915	434	261	242
Trust and Investment Service Fees	158	157	146	158	171	202	203	239	249	259
Trust and Investment Service Fees	158	157	146	158	171	202	203	239	249	259
Mortgage banking fees	-	-	-	-	152	302	915	434	261	242
Foreign Exchange and Trade Finance Fees	95	90	90	109	126	155	120	120	188	183
Letter of credit and loan fees	-	-	-	121	128	135	140	156	159	168
Securities gains, net	-	-	-	-	19	19	4	10	9	28
Other income	-	-	-	91	67	91	67	89	82	78
Total noninterest income	1,678	1,422	1,497	1,534	1,596	1,877	2,319	2,135	2,009	1,983
Labor and Related Expense	1,678	1,636	1,709	1,761	1,880	2,026	2,123	2,132	2,549	2,599
Outside services	420	371	377	404	447	498	553	595	700	687
Equipment Expense	250	257	263	263	275	514	565	610	648	756
Equipment Expense	250	257	263	263	275	514	565	610	648	756
Outside services	420	371	377	404	447	498	553	595	700	687
Occupancy	326	319	307	319	333	333	331	333	410	492
Other operating expense	573	530	526	547	495	476	419	411	585	973
Total noninterest expense	3,392	3,259	3,352	3,474	3,619	3,847	3,991	4,081	4,892	5,507
Income before income tax expense	1,268	1,263	1,534	1,912	2,183	2,251	1,298	2,977	2,655	2,030
Income tax expense	403	423	489	260	462	460	241	658	582	422
NET INCOME	865	840	1,045	1,652	1,721	1,791	1,057	2,319	2,073	1,608
Net income available to common stockholders	-	833	1,031	1,638	1,692	1,718	950	2,206	1,960	1,491
Earnings Per Share, Basic	1.55	1.55	1.97	3.26	3.54	3.82	2.22	5.18	4.12	3.14
Earnings Per Share, Diluted	1.55	1.55	1.97	3.25	3.52	3.81	2.22	5.16	4.1	3.13