Recent Insider Transactions • Jul 29
CEO & Chairman of the Board recently sold €8.2m worth of stock On the 24th of July, Bruce Van Saun sold around 129k shares on-market at roughly €63.30 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Bruce's only on-market trade for the last 12 months. Declared Dividend • Jul 20
Dividend of US$0.46 announced Shareholders will receive a dividend of US$0.46. Ex-date: 29th July 2026 Payment date: 13th August 2026 Dividend yield will be 2.0%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (39% payout ratio) and is expected to be well covered in 3 years' time (30% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 71% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Announcement • Jul 19
Citizens Financial Group, Inc. Provides Earnings Guidance for the Third Quarter and Fourth Quarter of 2026 Citizens Financial Group, Inc. provided earnings guidance for the third quarter and fourth quarter of 2026. For the quarter, the company expects net interest income to be up in the range of 2.5% to 3.5%, driven by continued expansion in net interest margin and earning asset growth. Noninterest income is expected to be up approximately 1%, led by capital markets and wealth.
In addition, for full year outlook, the company are tracking favorably against the guidance provided in January. Revenue is trending above initial guidance range, which combined with expense discipline puts on track to deliver over 600 basis points of positive operating leverage for the full year. The company continues to improve net interest margin, adding 10 basis points in the first half of '26, and the company projects to deliver a Fourth Quarter '26 NIM in the range of 3.22% to 3.27% and in the range of 3.30% to 3.50% in Fourth Quarter '27. Reported Earnings • Jul 17
Second quarter 2026 earnings released: EPS: US$1.39 (vs US$0.93 in 2Q 2025) Second quarter 2026 results: EPS: US$1.39 (up from US$0.93 in 2Q 2025). Revenue: US$2.15b (up 15% from 2Q 2025). Net income: US$587.0m (up 46% from 2Q 2025). Profit margin: 27% (up from 22% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 6.3% growth forecast for the Banks industry in Italy. Announcement • Jul 17
Citizens Financial Group, Inc. Reports Net Charge Offs for the Second Quarter Ended June 30, 2026 Citizens Financial Group, Inc. reported net charge offs for the second quarter ended June 30, 2026. For the quarter, the company reported total net charge-offs of $135 million compared to $167 million a year ago. Announcement • Jul 10
Citizens Financial Group Announces Executive Changes Citizens Financial Group announced that Brendan Coughlin, President of Citizens, has assumed oversight of Commercial Banking, adding to a portfolio that already includes the bank’s Consumer Banking, Private Bank, and Wealth businesses as well as several enterprise functions. Ted Swimmer, Head of Commercial Banking and a member of Citizens’ Executive Committee since 2018, will report to Coughlin and continue to lead that business. A 20-plus-year Citizens veteran, Coughlin was named President of Citizens in April 2025, reflecting his steadily expanding role. In addition to the bank’s lines of business, he oversees Marketing and Enterprise Data & Analytics. He also leads Citizens’ “Reimagine the Bank” initiative, a broad multi-year effort to simplify how the company works, modernize core processes and technology, and improve the customer, client and colleague experience. Swimmer was named Head of Commercial Banking in October 2025 and has continued to advance the business’ client-focused strategy across corporate banking, private capital, commercial real estate, treasury and wholesale payments, and capital markets and advisory. He has built the capital markets and advisory team into a consistent top 5 U.S. middle market deal bookrunner, while expanding the bank’s capabilities to add sector expertise and offer a comprehensive set of solutions, including debt, equity, global markets and M&A advisory. Announcement • Jun 16
Citizens Financial Group, Inc. Announces Head of Investor Relations, Changes, Effective August 1, 2026 Citizens Financial Group, Inc. announced that Chris Emerson has been appointed Head of Investor Relations, effective August 1,2026. Kristin Silberberg, who currently leads Investor Relations, will transition to serve as Chief Financial Officer of the Commercial Bank at that time. Chris will also continue with his current role as the head of Corporate Planning and Enterprise Finance, with responsibility for the Financial Planning and Analysis for Citizens, which includes the strategic planning and annual budgeting processes. Before joining Citizens, Chris held finance leadership roles in several banks, including Capital One, Barclays Bank and Citigroup. Announcement • Apr 17
Citizens Financial Group, Inc. Declares Quarterly Common Stock Dividend, Payable on May 14, 2026 Citizens Financial Group, Inc. announced that its board of directors declared a quarterly common stock dividend of $0.46 per share. The dividend is payable on May 14, 2026 to shareholders of record at the close of business on April 30, 2026. Announcement • Mar 10
Citizens Financial Group, Inc., Annual General Meeting, Apr 23, 2026 Citizens Financial Group, Inc., Annual General Meeting, Apr 23, 2026. Location: at one citizens plaza, province, rhode island 02903, United States Reported Earnings • Jan 22
Full year 2025 earnings released: EPS: US$3.90 (vs US$3.04 in FY 2024) Full year 2025 results: EPS: US$3.90 (up from US$3.04 in FY 2024). Revenue: US$7.64b (up 7.3% from FY 2024). Net income: US$1.69b (up 23% from FY 2024). Profit margin: 22% (up from 19% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.98% (up from 2.85% in FY 2024). Cost-to-income ratio: 64.4% (down from 65.2% in FY 2024). Non-performing loans: 1.05% (down from 1.20% in FY 2024). Revenue is forecast to grow 12% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Banks industry in Italy. Announcement • Jan 05
Citizens Financial Group, Inc. to Report Q4, 2025 Results on Jan 21, 2026 Citizens Financial Group, Inc. announced that they will report Q4, 2025 results at 6:20 AM, US Eastern Standard Time on Jan 21, 2026 Reported Earnings • Oct 21
Third quarter 2025 earnings released: EPS: US$1.06 (vs US$0.77 in 3Q 2024) Third quarter 2025 results: EPS: US$1.06 (up from US$0.77 in 3Q 2024). Revenue: US$1.96b (up 14% from 3Q 2024). Net income: US$457.0m (up 33% from 3Q 2024). Profit margin: 23% (up from 20% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 4.1% growth forecast for the Banks industry in Italy. Announcement • Oct 16
Citizens Financial Group, Inc. Provides Earnings Guidance for the Fourth Quarter 2025 Citizens Financial Group, Inc. provided earnings guidance for the fourth quarter 2025. Company expected net interest income to be up approximately 2.5% to 3%, driven by an improvement in net interest margin of approximately 5 basis points and interest-earning assets up slightly, maintaining a fairly consistent spot LDR to the third quarter. Announcement • Oct 15
Citizens Financial Group, Inc. Declares Quarterly Common Stock Dividend, Payable on November 12, 2025 Citizens Financial Group, Inc. announced that its board of directors declared a quarterly common stock dividend of $0.46 per share, a $0.04, or 9.5%, increase compared with the prior quarter. The dividend is payable on November 12, 2025 to shareholders of record at the close of business on October 29, 2025. Announcement • Oct 09
Citizens Unveils Citizens Edge™? Citizens Financial Group, Inc. now have a new way to spend, earn rewards and manage payments with Citizens Edge™?, a new commercial credit card from Citizens. Launched in partnership with Mastercard, Citizens Edge offers a robust suite of features ranging from flexible credit limits and cash back rewards to integrated travel and expense management, secure virtual card options and 24/7 client support. Citizens Edge is built to meet the unique needs of middle market companies, a segment of the economy that accounts for one-third of gross domestic product (GDP) and $6 trillion of business-to-business spending in the United States. These companies are scaling rapidly but often lack access to the sophisticated financial tools available to larger enterprises. Citizens Edge fills that gap with a flexible, secure solution. The launch of Citizens Edge is the latest example of Citizens' deep commitment to delivering innovative payment solutions that help middle market companies scale with confidence. It is the first commercial credit card introduced through Mastercard's Middle Market Accelerator program, and builds on the momentum of Citizens' recently launched consumer credit card suite, reflecting a broader strategy to deliver modern, flexible solutions across customer segments. As middle market companies seek to grow, digitize and safeguard their businesses, Citizens' 2025 Payment Trends Report and Mastercard research have found that they face challenges with inefficient underwriting and access to digital tools, while fraud is a key concern. Citizens Edge meets these urgent market needs with tailored features including: Flexible credit limits to help scale; Cash back rewards starting at 1.5% that grow as grow; Integrated travel booking and expense management powered by Navan; Security features including a secure virtual card option to enhance protection and mitigate fraud; Personalized, 24/7 customer support for immediate assistance. In addition, the card offers valuable protections such as extended warranties, purchase assurance and Mastercard ID Theft Protection, providing added peace of mind. Travel perks such as Mastercard Travel Rewards, VAT Reclaim, and Priority Pass airport lounge access help cardholders maximize the value of Citizens Edge wherever business takes them. To simplify card program administration, Citizens has also introduced a new Commercial Card Management page accessible through Citizens' universal commercial client portal, using single sign-on for seamless integration with other banking tools. The centralized, self-serve digital platform enables companies to manage their accounts, monitor spending and access real-time reporting all in one place. Announcement • Oct 07
Citizens Financial Group, Inc. Announces Management Changes Citizens Financial Group, Inc. announced that Ted Swimmer, head of capital markets and advisory for Citizens Commercial Banking, has been named Head of Commercial Banking, effective immediately. Swimmer succeeds Don McCree, who will remain at Citizens as Chair of Commercial Banking until his retirement at the end of March 2026. A 30-year banking industry veteran, Swimmer joined Citizens in 2010 as executive vice president and head of capital markets and was named to Citizens’ Executive Committee in 2018. He has built the Capital Markets and Advisory team into a consistent Top 5 U.S. Middle Market Deal Bookrunner while expanding the bank’s capabilities beyond traditional loan financing to add sector expertise and offer a comprehensive set of solutions, including debt, equity and M&A advisory across the client lifecycle. Swimmer previously held a range of senior positions with Wachovia, including managing its Leveraged Finance activities. Prior to that, he ran Loan Syndicate and Sales for Wachovia and served as a managing director originating leveraged loans and bonds. Swimmer holds an M.B.A. in finance from Columbia University as well as a B.A. in economics and history from Lafayette College. Reported Earnings • Aug 05
Second quarter 2025 earnings released: EPS: US$0.93 (vs US$0.79 in 2Q 2024) Second quarter 2025 results: EPS: US$0.93 (up from US$0.79 in 2Q 2024). Revenue: US$1.87b (up 5.2% from 2Q 2024). Net income: US$402.0m (up 13% from 2Q 2024). Profit margin: 22% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 2.6% growth forecast for the Banks industry in Italy. Announcement • Jul 18
Citizens Financial Group, Inc. announces Quarterly dividend, payable on August 14, 2025 Citizens Financial Group, Inc. announced Quarterly dividend of USD 0.4200 per share payable on August 14, 2025, ex-date on July 31, 2025 and record date on July 31, 2025. Announcement • Jul 17
Citizens Financial Group, Inc. Reports Net Charge Offs for the Second Quarter of 2025 Citizens Financial Group, Inc. Reported Net Charge Offs for the Second Quarter of 2025. For the quarter, the company reported Net charge-offs of $167 million, or 48 basis points of average loans and leases, compares with 58 basis points in the prior quarter which included a $25 million, or 7 basis point impact from the Non-Core transaction (an agreement entered into in the first quarter to sell ~$1.9 billion of Non-Core education loans). 
