Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 149

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part II, Item 8
Chunk 149
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 loans to borrowers experiencing financial difficulty that defaulted during the period presented and were modified within the previous 12 months preceding the default, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs at the time of default. A loan is considered to be in default if, subsequent to modification, it becomes 90 or more days past due or is placed on nonaccrual status.Three Months Ended September 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalCommercial and industrial$— $36 $— $— $— $36 Commercial real estate— 4 — — — 4 Total commercial— 40 — — — 40 Residential mortgages1 8 4 3 — 16 Home equity— — — — — — Education1 — — — — 1 Other retail1 — — — — 1 Total retail3 8 4 3 — 18 Total$3 $48 $4 $3 $— $58 Three Months Ended September 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayTotalCommercial and industrial$1 $3 $— $15 $19 Commercial real estate— 75 21 — 96 Total commercial1 78 21 15 115 Residential mortgages— 11 — — 11 Home equity— — — — — Education1 — — — 1 Other retail1 — — — 1 Total retail2 11 — — 13 Total$3 $89 $21 $15 $128 

Citizens Financial Group, Inc. | 58

Nine Months Ended September 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalCommercial and industrial$— $48 $— $— $— $48 Commercial real estate— 72 2 — — 74 Total commercial— 120 2 — — 122 Residential mortgages1