{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000138","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.794707+00:00","generated_at":"2026-05-31T20:20:07.342087+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Financial Q2 2024 net income $392M ($0.78 EPS); underlying EPS $0.82","bullets":["Underlying EPS $0.82, ROTCE 11.1%; revenue $1,963M, up slightly QoQ.","Strong fee growth: Capital Markets, Wealth, and Card fees up 7% QoQ.","CET1 ratio 10.7%; spot LDR 80.4%; deposits stable at $176.4B.","Net charge-offs 52 bps, up 2 bps QoQ; ACL coverage 1.63%.","Notable items pre-tax $(32)M ($0.04 EPS hit) including TOP and FDIC special assessment."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000138","json":"https://secwatch.observer/filing/0000759944-24-000138.json","markdown":"https://secwatch.observer/filing/0000759944-24-000138.md","text":"https://secwatch.observer/filing/0000759944-24-000138.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000138/0000759944-24-000138-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000138/cfg-20240717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:20:07.342087+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}