Citizens Financial Group reported a 10% YoY revenue dip in Q4 FY23, totaling $1.99B, missing analyst estimates. Despite a 38% YoY drop in adjusted net income to $426M, the CEO remains optimistic about strategic initiatives. CFG's decision to halt share repurchases in Q4 and an expected 6%-9% YoY decline in net interest income for FY24 draw attention.