{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-23-000112","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.606958+00:00","generated_at":"2026-06-13T06:42:11.517280+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Financial Q2 net income $478M (EPS $0.92); revenue $2.09B","bullets":["Net income $478M ($0.92 diluted EPS); underlying net income $531M ($1.04 EPS).","Total revenue $2,094M, down 2% QoQ; underlying PPNR $861M.","Period-end deposits $177.7B, up 3% QoQ; loans-to-deposit ratio improved to 85%.","CET1 ratio 10.3% (+30 bps QoQ); repurchased $256M in common shares.","Provision for credit losses $176M; net charge-off ratio 0.40% vs 0.34% Q1."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-23-000112","json":"https://secwatch.observer/filing/0000759944-23-000112.json","markdown":"https://secwatch.observer/filing/0000759944-23-000112.md","text":"https://secwatch.observer/filing/0000759944-23-000112.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000112/0000759944-23-000112-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000112/cfg-20230719.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:42:11.517280+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1281225c491e474c5b2626072e644e4a9640cf4c","claim":"CITIZENS FINANCIAL GROUP INC/RI reported second quarter 2023 results: net income $478 million, EPS $0.92 per diluted share.","evidence_excerpt":"Citizens Financial Group, Inc. Reports Second Quarter 2023 Net Income of $478 million and EPS of $0.92","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000112/0000759944-23-000112-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$478 million"},{"label":"EPS","value":"$0.92 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}