Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 86

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 86
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 29 103 — 933 3.65 Total commercial44 1,029 68 34 104 4 1,283 1.77 Residential mortgages3 42 13 9 1 2 70 0.20 Home equity5 1 11 5 — — 22 0.12 Education8 — — — — — 8 0.09 Other retail13 — — — — — 13 0.32 Total retail29 43 24 14 1 2 113 0.17 Total$73 $1,072 $92 $48 $105 $6 $1,396 0.99 %Nine Months Ended September 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$— $179 $86 $1 $23 $— $289 0.66 %Commercial real estate— 505 100 130 144 — 879 3.14 Total commercial— 684 186 131 167 — 1,168 1.63 Residential mortgages4 63 9 8 1 1 86 0.27 Home equity3 2 — 9 — — 14 0.09 Education9 2 39 — — — 50 0.45 Other retail13 — — — — — 13 0.27 Total retail29 67 48 17 1 1 163 0.23 Total$29 $751 $234 $148 $168 $1 $1,331 0.94 %(1) Represents the total amortized cost as of period-end divided by the period-end amortized cost of the corresponding loan class. Accrued interest receivable is excluded from amortized cost and is immaterial.The following tables present the financial effect of loans to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2025 and 2024, disaggregated by class of financing receivable:Three