Citizens Financial's NII Slips in 1H25: Can Fed Cuts Drive a Rebound?

Key Takeaways Citizens Financial's NII slipped to $2.83B in 1H25 despite Fed easing in the prior year.Management sees 2025 NII rising 3%-5% with NIM improving to 3%.Improving asset yields and loan growth are expected to support CFG's NII.Citizens Financial Group’s (CFG) net interest income (NII) has shown steady growth over the past few years, recording a compound annual growth rate (CAGR) of 5.3% for the period 2019–2024. However, in the first half of 2025, its NII slipped slightly to $2.83 billion. The Fe ...