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13:00
Jul 16 ◎

CFG FY2026 Q2 Watch

Citizens Financial Group, Inc. (CFG) FY2026 Q2 Earnings Call

BX ARES KKR ▾

Ted Swimmer

Commercial loan growth was driven by private credit funds actively utilizing subscription and fund finance facilities, with CFG taking left-lead roles and increasing exposure by ~$800 million in one quarter. — Indicates strong draws on credit lines by private credit funds to deploy capital, signaling rapid deployment and high activity in the private credit sector.

"On the fund finance side, we had a really good quarter. We've had a really good track record. We feel very good about what we're doing on that side of the business."

BX WATCH ARES WATCH KKR WATCH

MED

13:00
Apr 16 ◎

CFG FY2026 Q1 Watch

Citizens Financial Group, Inc. (CFG) FY2026 Q1 Earnings Call

BA ANTHROPIC CFG ▾

Ted Swimmer

Mention of Claude (by Anthropic) was made in the context of the bank's own technology deployment, not about the company's business trajectory.

"we've deployed Claude to our we're already seeing a very material productivity improvement"

BA WATCH

Brendan Coughlin

The bank is using AI (specifically Claude by Anthropic and other LLMs) in software development, with productivity improvements of 30% to 5-10x, but sees an obsolescence risk. — Confirms enterprise adoption of Anthropic's technology, but indicates the risk of model obsolescence is being actively managed.

"we've deployed Claude to our we're already seeing a very material productivity improvement"

ANTHROPIC WATCH

Bruce Van Saan

Management reaffirmed the annual guidance (4.5% expense growth, NII growth, NIM expansion) and expressed confidence in hitting the 2027 ROTC target, despite geopolitical and macro uncertainty. The tone was cautiously optimistic, with the bank staying on its investment plan.

"we remain cautiously optimistic that we'll be able to navigate through external challenges and still deliver the strong results we projected coming into this year."

CFG WATCH

HIGH

14:00
Jan 21 ◎

CFG FY2025 Q4 Watch

Citizens Financial Group, Inc. (CFG) FY2025 Q4 Earnings Call

CFG ▾

Bruce Van Saun

Management's forward guidance is strongly positive, driven by NIM expansion, loan growth, and the Reimagine the Bank initiative. They see solid GDP growth, stable unemployment, and falling inflation.

"We expect very strong revenue performance, controlled expenses, significant positive operating leverage, and lower credit costs. NII growth of 10% to 12%"

CFG WATCH

HIGH

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