REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of compliance with regulatory capital requirements under banking regulations

The following table presents the regulatory capital ratios for the Company and CBNA under the U.S. Basel III Standardized rules. The Company and CBNA have both declared as an “AOCI opt-out” institution, which means they are not required to recognize the AOCI impact of net unrealized gains and losses on debt securities and accumulated net gains and losses on cash flow hedges and certain defined benefit pension plan assets in regulatory capital. In addition, both entities elected to delay the estimated impact of CECL on regulatory capital for a two-year period ending December 31, 2021, followed by a three-year transition period ending December 31, 2024, to phase-in the aggregate amount of the capital benefit provided during the initial two-year delay.


	Actual			Required Minimum Capital
(dollars in millions)	Amount	Ratio		Amount	Ratio(1)
As of December 31, 2025
CET1 capital
CFG	$18,240	10.6	%	$15,434	9.0	%
CBNA	20,946	12.3		11,946	7.0
Tier 1 capital
CFG	20,351	11.9		18,007	10.5
CBNA	20,946	12.3		14,506	8.5
Total capital
CFG	23,654	13.8		21,437	12.5
CBNA	24,135	14.1		17,919	10.5
Tier 1 leverage
CFG	20,351	9.5		8,613	4.0
CBNA	20,946	9.8		8,572	4.0
As of December 31, 2024
CET1 capital
CFG	$17,900	10.8	%	$14,913	9.0	%
CBNA	20,250	12.3		11,549	7.0
Tier 1 capital
CFG	20,013	12.1		17,398	10.5
CBNA	20,250	12.3		14,024	8.5
Total capital
CFG	23,232	14.0		20,712	12.5
CBNA	23,362	14.2		17,324	10.5
Tier 1 leverage
CFG	20,013	9.4		8,502	4.0
CBNA	20,250	9.6		8,474	4.0

(1) Represents minimum requirement under the current capital framework plus the SCB of 4.5% and CCB of 2.5% for CFG and CBNA, respectively. The SCB and CCB are not applicable to the Tier 1 leverage ratio.