Q3 FY26 · Ended Sep 30, 2026 · View SEC filing
Profit grew about three times as fast as revenue
Revenue rose 9.63% while operating costs rose 4.34%, so most of the extra revenue reached pretax profit.
For investorsWhat the margin depends on once the back book has repriced
For foundersHiring ahead of revenue: the Private Bank playbook
Interest earned rose while interest paid fell, lifting net interest income 12.57%, faster than revenue as a whole.
The filing credits an improved loan mix, including less office real estate, for an 18.83% drop in provisions.
Loans equal 80.0% of deposits, so the bank lends mostly from customer balances rather than market borrowing.
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Business Lens describes Citizens Financial Group from its own filings with the SEC. It is not a view on its shares, a target, or advice to buy, sell or hold anything; figures are as filed and may be restated by the company later. The filing is linked above.
