Citizens Q2 2024 underlying EPS $0.82, revenue $1.96B, NII down 2% QoQ

CITIZENS FINANCIAL GROUP INC/RI

2024-Q2 EPS reported $1.44 revenue$3,922,000,000

Underlying EPS $0.82 vs $1.04 YoY; GAAP EPS $0.78 vs $0.92 YoY; net income $392M.
Revenue $1.96B, down 6% YoY; NII $1.46B (-2% QoQ); NIM 2.87% (down 4 bps QoQ).
Period-end loans $141.8B (-1% QoQ); deposits $176.4B stable; LDR improved to 80.4%.
NCO ratio 52 bps (up 2 bps QoQ); ACL coverage 1.63%; CET1 ratio 10.7%.
Board declared $0.42 quarterly dividend, payable Aug 14, record Jul 31.

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