Company: CFG-PE
Filing Date: 2025-05-01
Form Type: 10-Q
Source: 0000759944-25-000070
Chunk: 114

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-05-01
Form: 10-Q
Item: Part I, Item 2
Chunk 114
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 contractual life of the loan and a good predictor of a borrower’s future payment performance. 

Table 11: Retail Loan Portfolio AnalysisMarch 31, 2025December 31, 2024Days Past Due and AccruingDays Past Due and AccruingCurrent30-5960-8990+NonaccrualCurrent30-5960-8990+NonaccrualResidential mortgages98.69 %0.18 %0.11 %0.42 %0.60 %97.81 %0.77 %0.28 %0.55 %0.59 %Home equity97.61 0.56 0.16 — 1.67 97.59 0.53 0.16 — 1.72 Automobile96.44 1.98 0.62 — 0.96 96.18 2.11 0.70 — 1.01 Education99.09 0.44 0.21 0.03 0.23 98.83 0.42 0.21 0.02 0.52 Other retail97.01 0.97 0.62 0.02 1.38 96.86 0.99 0.67 0.02 1.46 Total retail98.23 %0.47 %0.20 %0.21 %0.89 %97.75 %0.76 %0.30 %0.26 %0.93 %

Citizens Financial Group, Inc. | 16

Table 12: Retail Asset Quality MetricsMarch 31, 2025December 31, 2024Average refreshed FICO for total portfolio775 775 CLTV ratio for secured real estate(1)50 %50 %

(1) The real estate secured portfolio CLTV is calculated as the mortgage and second lien loan balance divided by the most recently available value of the property.

For more information on the aging of accruing and nonaccrual retail loans, and the distribution of retail loans by vintage date and FICO score, see Note 4.

Deposits

Table 13: Composition of Deposits(dollars in millions)March 31, 2025% of Total DepositsDecember 31, 2024% of Total Depos