Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 1033

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 7
Chunk 1033
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89 335 439 233 256 730 583 232 2,897 No FICO available(1)18 1 3 2 3 50 373 — 450 Total retail$4,817 $10,219 $15,492 $9,169 $4,095 $9,675 $17,008 $1,039 $71,514 (1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes).

Citizens Financial Group, Inc. | 108

The following tables present gross charge-offs by vintage date for the Company’s loan and lease portfolios:Year Ended December 31, 2024Term Loans and Leases by Origination YearRevolving Loans(dollars in millions)20242023202220212020Prior to 2020Within the Revolving PeriodConverted to TermTotalCommercial and industrial$— $— $15 $31 $1 $22 $38 $— $107 Commercial real estate— — 1 23 145 143 — — 312 Total commercial— — 16 54 146 165 38 — 419 Residential mortgages— — — — — 4 — — 4 Home equity— — — — — 5 11 2 18 Automobile— 6 34 34 10 10 — — 94 Education1 5 12 24 25 59 — — 126 Other retail42 24 10 6 3 10 167 — 262 Total retail43 35 56 64 38 88 178 2 504 Total loans and leases$43 $35 $72 $118 $184 $253 $216 $2 $923 Year Ended December 31, 2023Term Loans and Leases by Origination YearRevolving Loans(dollars in millions)20232022202120202019Prior to 2019Within the Revolving PeriodConverted to TermTotalCommercial and industrial$1 $3 $34 $4 $1 $34 $44 $— $121 Commercial real estate— — — 56 13 95 —