Annotated balance sheet · halal screening

Citizens Financial Group, Inc.

The full balance sheet for CFG, with the line items that feed each halal check marked and explained inline. Read it like a financial report that grades itself.

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Annotated balance sheet · halal screening

Citizens Financial Group, Inc. — Q1 2026

Source: SEC Form 10-Q filed 2026-03-31 · via FMP · USD millions · Open filing

Assets

Current Assets

Cash & cash equivalents①

$12,330

Marketable securities①

Accounts receivable

Inventories

Other current assets

Total current assets

$12,330

Non-current Assets

Property, plant & equipment, net②tangible

$874

Operating lease right-of-use assets②tangible

Long-term marketable securities①

$188,237

Goodwill

$8,221

Intangible assets, net

$112

Other non-current assets

$18,144

Total non-current assets

$215,588

TOTAL ASSETS

$227,918

CHECK ①

Cash + Securities Ratio

under AAOIFI

701.1%

✗ FAIL

Threshold≤ 30%Shortfall671.1 percentage points over the limit

Breach risk

Breached

0%← Pass zone | Fail zone →771%

Caps how much of a company's value can be held in interest-bearing financial assets — too much suggests the business is more about earning interest than producing real goods/services.

SourceAAOIFI Shariah Standard No. 21 (Financial Papers — Shares and Bonds), §3.5.1

Liabilities

Current Liabilities

Accounts payable

Other current liabilities

Deferred revenue

Commercial paper③interest-bearing

Short-term debt③interest-bearing

$54

Total current liabilities

$54

Non-current Liabilities

Long-term debt③interest-bearing

$12,260

Other non-current liabilities

$189,432

Total non-current liabilities

$201,692

TOTAL LIABILITIES

$201,746

CHECK ③

Interest-bearing Debt Ratio

under AAOIFI

43.0%

✗ FAIL

Threshold≤ 30%Shortfall13.0 percentage points over the limit

Breach risk

Breached

0%← Pass zone | Fail zone →47%

Caps how much of a company's value comes from interest-bearing loans. Companies that rely heavily on riba (interest-based debt) fail this check even if their business itself is permissible.

SourceAAOIFI Shariah Standard No. 21 (Financial Papers — Shares and Bonds), §3.4.2

Income Statement Excerpt (trailing 12 months)

Total revenue

$11,278

Of which:

Product & services revenue

$11,278

Interest income④non-permissible

$9,731

CHECK ④

Non-permissible Income Ratio

under AAOIFI

86.3%

✗ FAIL

Threshold≤ 5%Shortfall81.3 percentage points over the limit

Breach risk

Breached

0%← Pass zone | Fail zone →95%

Caps what fraction of company revenue can come from non-permissible sources. If your stock passes but interest income is high, you'd 'purify' your share of that income through charity.

SourceAAOIFI Shariah Standard No. 21 (Financial Papers — Shares and Bonds), §3.6

Final verdict — under AAOIFI Standard

Not halal

Sector check passes: ✓ yes

Want to verify against the primary document? Open full SEC filing

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