Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 203

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 2
Chunk 203
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 lease portfolios:

Table 8: Ratio of Net Charge-Offs to Average Loans and LeasesThree Months Ended September 30,20252024(dollars in millions)Net Charge-OffsAverage BalanceRatioNet Charge-OffsAverage BalanceRatioCommercial and industrial$30 $46,351 0.26 %$54 $44,071 0.49 %Commercial real estate55 25,799 0.85 44 28,209 0.62 Total commercial 85 72,150 0.47 98 72,280 0.54 Residential mortgages— 34,134 — — 32,117 — Home equity(3)18,027 (0.06)(1)15,733 (0.03)Automobile4 3,096 0.43 13 5,942 0.81 Education20 8,513 0.92 24 11,155 0.85 Other retail56 4,091 5.45 58 4,776 4.93 Total retail77 67,861 0.45 94 69,723 0.54 Total loans and leases$162 $140,011 0.46 %$192 $142,003 0.54 %

Nine Months Ended September 30,20252024(dollars in millions)Net Charge-OffsAverage BalanceRatioNet Charge-OffsAverage BalanceRatioCommercial and industrial$99 $44,972 0.30 %$61 $44,342 0.18 %Commercial real estate159 26,429 0.81 218 28,681 1.02 Total commercial258 71,401 0.48 279 73,023 0.51 Residential mortgages— 33,480 — 1 31,713 — Home equity(5)17,338 (0.04)(6)15,387 (0.05)Automobile15 3,727 0.52 31 6,832 0.60 Education89 9,280 1.28 77 11,472 0.90 Other retail172 4,285 5.38 175 4,866 4.82 Total retail271 68,110 0