CFGNYSE,NYSE,NYSE,NYSESEC EDGAREDGAR

CITIZENS FINANCIAL GROUP INC/RI

State Commercial Banks·PROVIDENCE, RI·FY end 12/31·CIK 759944

CEO Pay Ratio

155:1

Bruce Van Saun

CEO Total Comp

$12.5M

Bruce Van Saun

Median Employee

$80,559

Revenue

$8.2B

FY 2025

Net Income

$1.8B

FY 2025

Free Cash Flow

—

FY 2025

Net Margin

22.2%

Insider Net (180d)

0 buys / 0 sales

CEO Pay Accountability

CEO comp as % of net income

0.68%

For every $1,000 of profit, $6.83 flows to the CEO.

CEO comp as % of buybacks

2.09%

CEO comp equals 20.9‰ of cash returned to shareholders via buybacks.

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$8.2B	$7.8B	$8.2B	$8.0B	$6.6B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	—	—	—
Net Income	$1.8B	$1.5B	$1.6B	$2.1B	$2.3B
Operating CF	$2.2B	$2.0B	$3.0B	$4.1B	$2.3B
Capex	—	—	—	—	—	—
Free Cash Flow	—	—	—	—	—	—
Buybacks	$600.0M	$1.1B	$906.0M	$153.0M	$295.0M
Dividends	$755.0M	$769.0M	$808.0M	$779.0M	$670.0M

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	—	—	—
Net Margin	22.2%	19.3%	19.6%	25.8%	34.9%
FCF Margin	—	—	—	—	—	—
R&D / Revenue	—	—	—	—	—	—
Effective Tax	21.3%	20.1%	20.8%	21.9%	22.1%
Debt / Equity	0.43	0.51	0.55	0.67	0.30
Buybacks / FCF	—	—	—	—	—	—

FY 2025

Executive	Salary	Stock	Options	Bonus / Inc.	Other	Total
Bruce Van SaunChairman and Chief Executive Officer	$1.5M	$8.0M	—	$2.8M	$140.8K	$12.5M
Brendan CoughlinPresident, Head of Consumer, Private Banking and Wealth	$700.0K	$2.9M	—	$1.4M	$42.0K	$5.1M
Donald H. McCree IIIChair of Commercial Banking	$700.0K	$3.0M	—	$1.1M	$30.3K	$4.8M
Aunoy BanerjeeExecutive Vice President and Chief Financial Officer	$110.4K	$3.5M	—	$1.1M	$11.3K	$4.7M
Theodore SwimmerExecutive Vice President and Head of Commercial Banking	$556.7K	$2.3M	—	$1.3M	$44.3K	$4.2M
John F. WoodsFormer Chief Financial Officer	$457.7K	$3.0M	—	—	$48.6K	$3.5M
Christopher EmersonFormer Interim Chief Financial Officer	$425.0K	$291.8K	—	$360.9K	$19.3K	$1.1M