[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4476 followers Created: 2025-07-20 17:09:02 UTC $CFG Citizens Financial Group, Inc. Earnings Call Key Highlights: 🌟 Strong Quarterly Financial Performance Citizens reported second-quarter 2025 EPS of $0.92, a XX% increase from Q1, exceeding expectations amid macroeconomic uncertainty. Net interest income (NII) rose XXX% sequentially, driven by a X basis point net interest margin (NIM) expansion to XXXX% and modest growth in interest-earning assets. Fee income increased XX% quarter-over-quarter, led by strength in wealth management, card, and mortgage services. Operating expenses remained broadly stable, supporting ~500 basis points of operating leverage and an improved efficiency ratio below 65%. 📈 Loan Growth and Portfolio Optimization Period-end loans rose X% QoQ, with strong performance from the Private Bank contributing $XXX billion in loan growth. Excluding noncore runoff (~$700 million), loans were up X% on a spot basis, with gains across commercial, consumer, and private banking segments. The Private Bank delivered its strongest quarter to date, reaching $XXX billion in period-end loans and adding $XXX million in average deposits. Strategic rundown of noncore assets continued, though at a reduced pace, freeing capital for growth in higher-return front-book originations. 💳 Strong Fee and Capital Markets Performance Capital markets revenue grew modestly, led by equity underwriting and loan syndications; bond underwriting and M&A fees lagged due to deal delays. Over $XX million in deferred M&A fees expected to be recorded in July; middle-market bookrunner activity remained robust. Wealth management saw record advisory fee growth tied to fee-based AUM increases; card business benefited from seasonal purchase volume rise. New Mastercard suite launched, targeting tailored financial preferences and expected to contribute to sustained card revenue expansion. 🏦 Private Bank Momentum and Strategic Value Private Bank contributed $XXXX to EPS in Q2, up from $XXXX in Q1, with continued momentum in deposits, loans, and AUM. AUM rose to $XXX billion (+$1.3 billion QoQ), while noninterest-bearing deposits constituted XX% of total deposit mix. Citizens is tracking toward >5% EPS accretion from the Private Bank in 2025 with an ROE target of 20%-24%. Strategic hires and office expansion in key metros (NYC, NJ, LA) supported franchise development. 🧠 Reimagining the Bank Initiative A multiyear transformation initiative was launched, aimed at leveraging Gen AI and Agentic AI to enhance customer experience and operational efficiency. Led by Brendan Coughlin and senior leadership, the program will address tech infrastructure, workforce skills, and product delivery. Positioned as the next generation of the TOP program, the initiative targets material efficiency gains and strategic reinvestment opportunities. Early-stage planning is underway, with execution timelines expected to unfold in the coming quarters. 💰 Balance Sheet Strength and Capital Returns CET1 ratio ended Q2 at XXXX% (adjusted CET1 at 9.1%), reflecting robust capital levels and prudent risk management. Citizens repurchased $XXX million of stock during the quarter and returned $XXX million to shareholders including dividends. The Board expanded the share repurchase program to $XXX billion in June, highlighting capital flexibility. Liquidity and deposit funding remained strong; stable retail deposits constituted XX% of total deposits, significantly above the peer average of XX%  XXX engagements  **Related Topics** [cfg](/topic/cfg) [eps](/topic/eps) [quarterly earnings](/topic/quarterly-earnings) [$cfg](/topic/$cfg) [citizens financial group inc](/topic/citizens-financial-group-inc) [coins real world assets](/topic/coins-real-world-assets) [coins dot](/topic/coins-dot) [stocks financial services](/topic/stocks-financial-services) [Post Link](https://x.com/LongYield/status/1946980681965613525)
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LongYield @LongYield on x 4476 followers
Created: 2025-07-20 17:09:02 UTC
$CFG Citizens Financial Group, Inc. Earnings Call Key Highlights: 🌟 Strong Quarterly Financial Performance
Citizens reported second-quarter 2025 EPS of $0.92, a XX% increase from Q1, exceeding expectations amid macroeconomic uncertainty.
Net interest income (NII) rose XXX% sequentially, driven by a X basis point net interest margin (NIM) expansion to XXXX% and modest growth in interest-earning assets.
Fee income increased XX% quarter-over-quarter, led by strength in wealth management, card, and mortgage services.
Operating expenses remained broadly stable, supporting ~500 basis points of operating leverage and an improved efficiency ratio below 65%.
📈 Loan Growth and Portfolio Optimization
Period-end loans rose X% QoQ, with strong performance from the Private Bank contributing $XXX billion in loan growth.
Excluding noncore runoff (~$700 million), loans were up X% on a spot basis, with gains across commercial, consumer, and private banking segments.
The Private Bank delivered its strongest quarter to date, reaching $XXX billion in period-end loans and adding $XXX million in average deposits.
Strategic rundown of noncore assets continued, though at a reduced pace, freeing capital for growth in higher-return front-book originations.
💳 Strong Fee and Capital Markets Performance
Capital markets revenue grew modestly, led by equity underwriting and loan syndications; bond underwriting and M&A fees lagged due to deal delays.
Over $XX million in deferred M&A fees expected to be recorded in July; middle-market bookrunner activity remained robust.
Wealth management saw record advisory fee growth tied to fee-based AUM increases; card business benefited from seasonal purchase volume rise.
New Mastercard suite launched, targeting tailored financial preferences and expected to contribute to sustained card revenue expansion.
🏦 Private Bank Momentum and Strategic Value
Private Bank contributed $XXXX to EPS in Q2, up from $XXXX in Q1, with continued momentum in deposits, loans, and AUM.
AUM rose to $XXX billion (+$1.3 billion QoQ), while noninterest-bearing deposits constituted XX% of total deposit mix.
Citizens is tracking toward >5% EPS accretion from the Private Bank in 2025 with an ROE target of 20%-24%.
Strategic hires and office expansion in key metros (NYC, NJ, LA) supported franchise development.
🧠 Reimagining the Bank Initiative
A multiyear transformation initiative was launched, aimed at leveraging Gen AI and Agentic AI to enhance customer experience and operational efficiency.
Led by Brendan Coughlin and senior leadership, the program will address tech infrastructure, workforce skills, and product delivery.
Positioned as the next generation of the TOP program, the initiative targets material efficiency gains and strategic reinvestment opportunities.
Early-stage planning is underway, with execution timelines expected to unfold in the coming quarters.
💰 Balance Sheet Strength and Capital Returns
CET1 ratio ended Q2 at XXXX% (adjusted CET1 at 9.1%), reflecting robust capital levels and prudent risk management.
Citizens repurchased $XXX million of stock during the quarter and returned $XXX million to shareholders including dividends.
The Board expanded the share repurchase program to $XXX billion in June, highlighting capital flexibility.
Liquidity and deposit funding remained strong; stable retail deposits constituted XX% of total deposits, significantly above the peer average of XX%
XXX engagements
Related Topics cfg eps quarterly earnings $cfg citizens financial group inc coins real world assets coins dot stocks financial services