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- 10-Q Quarterly report
- 10.1 Exhibit 10.1
- 10.2 Exhibit 10.2
- 10.3 Exhibit 10.3
- 10.4 Exhibit 10.4
- 10.5 Exhibit 10.5
- 10.6 Exhibit 10.6
- 10.7 Exhibit 10.7
- 10.8 Exhibit 10.8
- 12.1 Exhibit 12.1
- 12.2 Exhibit 12.2
- 31.1 Exhibit 31.1
- 31.2 Exhibit 31.2
- 32.1 Exhibit 32.1
- 32.2 Exhibit 32.2
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EXHIBIT 12.1
CITIZENS FINANCIAL GROUP, INC.
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
Three Months | Six Months | Year Ended December 31, | |||||||||||||||||||||||||
(dollars in millions) | Ended June 30, 2017 | 2016 | 2015 | 2014 | 2013(2) | 2012 | |||||||||||||||||||||
Computation of Earnings: | |||||||||||||||||||||||||||
Income (loss) from continuing operations before income tax expense | $462 | $896 | $1,534 | $1,263 | $1,268 | ($3,468 | ) | $1,024 | |||||||||||||||||||
Fixed charges | 192 | 360 | 559 | 503 | 417 | 499 | 669 | ||||||||||||||||||||
Total Adjusted Earnings | $654 | $1,256 | $2,093 | $1,766 | $1,685 | ($2,969 | ) | $1,693 | |||||||||||||||||||
Computation of Fixed Charges: | |||||||||||||||||||||||||||
Interest expense | $179 | $334 | $508 | $452 | $363 | $443 | $619 | ||||||||||||||||||||
Portion of net rental expense deemed representative of interest (1) | 13 | 26 | 51 | 51 | 54 | 56 | 50 | ||||||||||||||||||||
Total Fixed Charges | $192 | $360 | $559 | $503 | $417 | $499 | $669 | ||||||||||||||||||||
Ratio of Earnings to Fixed Charges | 3.4 | % | 3.5 | % | 3.7 | % | 3.5 | % | 4.0 | % | (5.9 | %) | 2.5 | % |
(1) The portion of rents shown as representative of the interest factor is one-quarter of total net operating lease expenses.
(2) The deficiency for this period was $3,468 million due in part to a goodwill impairment charge of $4,435 million ($4,080 million after tax).