Citizens Financial Group, Inc. (CFG) Q2 2025 Earnings Call Transcript

Citizens Financial Group, Inc. (NYSE:CFG) Q2 2025 Earnings Conference Call July 17, 2025 10:00 AM ET

Company Participants

Brendan Coughlin – President & Vice Chair
Bruce Winfield Van Saun – CEO & Chairman of the Board
Donald H. McCree – Senior Vice Chair & Head of Commercial Banking Division
John F. Woods – Vice Chairman & CFO
Kristin Silberberg – Head of Investor Relations

Conference Call Participants

Christopher Edward McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Ebrahim Huseini Poonawala – BofA Securities, Research Division
Erika Najarian – UBS Investment Bank, Research Division
John G. Pancari – Evercore ISI Institutional Equities, Research Division
Kenneth Michael Usdin – Bernstein Autonomous LLP
Manan Gosalia – Morgan Stanley, Research Division
Matthew Derek O’Connor – Deutsche Bank AG, Research Division
Robert Scott Siefers – Piper Sandler & Co., Research Division
Ryan Matthew Nash – Goldman Sachs Group, Inc., Research Division
Steven A. Alexopoulos – TD Cowen, Research Division

Operator

Good morning, everyone, and welcome to the Citizens Financial Group Second Quarter 2025 Earnings Conference Call. My name is Denise, and I will be your operator today. [Operator Instructions]. As a reminder, this event is being recorded. Now I will turn the call over to Kristin Silberberg, Head of Investor Relations. Kristin, you may begin.

Kristin Silberberg

Thank you, Denise. Good morning, everyone, and thank you for joining us. First, this morning, our Chairman and CEO, Bruce Van Saun; and CFO, John Woods, will provide an overview of our second quarter results. Brendan Coughlin, Head of Consumer Banking; and Don McCree, Head of Commercial Banking, are also here to provide additional color.

We will be referencing our second quarter presentation located on our Investor Relations website. After the presentation, we will be happy to take questions. Our comments today will include forward-looking statements, which are subject to risks