•
Sep 30, 2020

Citizens Q3 2020 Earnings Report

Reported net income of $314 million and EPS of $0.68. Revenue reached a record high, driven by a 33% increase in noninterest income year over year.

Key Takeaways

Citizens Financial Group reported a net income of $314 million and EPS of $0.68 for Q3 2020. The company experienced record revenue, with noninterest income up 33% year over year, and a strong CET1 ratio of 9.8%. Pre-provision profit increased by 21% year over year.

Net income was $314 million, with earnings per share of $0.68.

Record revenue was achieved, driven by a 33% increase in noninterest income year over year.

The CET1 ratio increased to 9.8%.

Pre-provision profit was up 21% year over year.

Total Revenue
$1.79B
Previous year: $1.64B
+9.3%
EPS
$0.68
Previous year: $0.98
-30.6%
Efficiency Ratio
55.2%
Underlying Efficiency Ratio
53.4%
Loan-to-Deposit Ratio
86.8%
Gross Profit
$1.79B
Previous year: $1.64B
+9.3%
Cash and Equivalents
$9.22B
Previous year: $3.84B
+139.9%
Total Assets
$179B
Previous year: $164B
+9.0%

Citizens

Citizens

Forward Guidance

This document contains forward-looking statements within the meaning of Private Securities Litigation Reform Act of 1995.