Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 255

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 255
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 33 — — 33 Total commercial— 34 — — 34 Residential mortgages— 5 1 1 7 Home equity— — — — — Education2 — 14 — 16 Other retail1 — — — 1 Total retail3 5 15 1 24 Total$3 $39 $15 $1 $58 Six Months Ended June 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalCommercial and industrial$— $27 $— $— $2 $29 Commercial real estate— 76 2 — — 78 Total commercial— 103 2 — 2 107 Residential mortgages1 14 2 5 — 22 Home equity1 — 1 1 — 3 Education1 — — — — 1 Other retail1 — — — — 1 Total retail4 14 3 6 — 27 Total$4 $117 $5 $6 $2 $134 

Citizens Financial Group, Inc. | 57

Six Months Ended June 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTotalCommercial and industrial$— $18 $— $— $18 Commercial real estate— 70 — — 70 Total commercial— 88 — — 88 Residential mortgages— 12 1 1 14 Home equity— — — — — Education3 — 14 — 17 Other retail1 — — — 1 Total retail4 12 15 1 32 Total$4 $100 $15 $1 $120 Unfunded commitments related to loans modified during the six months ended June 30, 2025 were $273 million at June 30, 2025. Unfunded commitments related to loans modified during the year ended December 31, 2024 were $206 million at December 31, 2024.

NOTE 5 - MORTGAGE BANKING AND OTHER SERVICED