Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 207

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 207
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23 98.83 0.42 0.21 0.02 0.52 Other retail97.50 0.78 0.53 — 1.19 96.86 0.99 0.67 0.02 1.46 Total retail98.35 %0.43 %0.19 %0.17 %0.86 %97.75 %0.76 %0.30 %0.26 %0.93 %

Citizens Financial Group, Inc. | 18

The following table presents certain asset quality metrics for our retail loan portfolio:

Table 12: Retail Asset Quality MetricsSeptember 30, 2025December 31, 2024Average refreshed FICO for total portfolio776 775 CLTV ratio for secured real estate(1)49 %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

The following table presents the composition of deposits:

Table 13: Composition of Deposits(dollars in millions)September 30, 2025% of Total DepositsDecember 31, 2024% of Total DepositsNoninterest-bearing demand$39,472 22%$36,920 21%Checking with interest35,219 1933,246 19Savings24,759 1425,976 15Money market59,709 3355,321 32Time20,852 1223,313 13Total deposits$180,011 100%$174,776 100%

Total deposits as of September 30, 2025 increased compared to December 31, 2024, reflecting growth in the Private Bank, partially offset by a decline in time deposits given elevated retail maturities and continued reduction in higher-cost Treasury brokered deposits.

The following table presents an analysis of estimated insured/secured deposits as a percentage of total deposits:

Table 14: Uninsured and Insured/Secured Deposits(dollars in millions)September 30, 2025December 31, 2024Total deposits$180,011 $174,776 Estimated uninsured deposits(1