Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 145

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part II, Item 8
Chunk 145
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— $2 $— $1 $155 0.33 %Commercial real estate— 388 22 — 102 — 512 2.00 Total commercial1 539 22 2 102 1 667 0.92 Residential mortgages1 18 6 5 — 1 31 0.09 Home equity2 1 6 3 — — 12 0.07 Education3 — — — — — 3 0.04 Other retail5 — — — — — 5 0.12 Total retail11 19 12 8 — 1 51 0.07 Total$12 $558 $34 $10 $102 $2 $718 0.51 %Three Months Ended September 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$— $75 $25 $1 $3 $104 0.24 %Commercial real estate— 156 23 67 94 340 1.22 Total commercial— 231 48 68 97 444 0.62 Residential mortgages1 15 1 4 1 22 0.07 Home equity2 1 — 4 — 7 0.04 Education3 1 16 — — 20 0.18 Other retail5 — — — — 5 0.10 Total retail11 17 17 8 1 54 0.08 Total$11 $248 $65 $76 $98 $498 0.35 %

Citizens Financial Group, Inc. | 55

Nine Months Ended September 30, 2025(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$16 $322 $2 $5 $1 $4 $350 0.75 %Commercial real estate28 707 66