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![equilyse1 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1829453676387106817.png) Equilyse [@equilyse1](/creator/twitter/equilyse1) on x XXX followers
Created: 2025-07-18 11:42:46 UTC

$CFG: Citizens Financial Group—CFG—reported strong Q2 2025 earnings, exceeding expectations despite macro headwinds. Net interest income jumped XXX% sequentially, fueled by a X bps NIM expansion to 2.95%. Loan growth was solid across commercial, consumer, and private banking, with the latter adding a record $1.2B in loans. CFG reaffirmed its full-year 2025 guidance.

Fee income surged 10%, driven by wealth management, card services, and mortgage banking. Expenses were well-managed, contributing to XXX bps of operating leverage. Credit trends are improving, with net charge-offs down to XX bps. The bank is strategically "reimagining" itself, leveraging AI to enhance customer service and efficiency.

The Private Bank is a standout performer, contributing $XXXX to EPS and targeting a 20-24% return on equity. CFG is monitoring stablecoin developments for potential use in payments. While not actively pursuing M&A, CFG remains open to opportunities, prioritizing organic growth and ROTCE improvement.

![](https://pbs.twimg.com/media/GwIywhqW0AAB5PI.png)

XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946173800476782915/c:line.svg)

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