Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 75

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 75
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,683 4,553 1,789 3,273 1,797 2,684 27,094 80 46,953 Commercial real estatePass3,215 2,079 918 4,484 4,193 5,180 1,454 4 21,527 Special Mention— 2 4 716 384 154 73 — 1,333 Substandard Accrual— — 94 576 165 1,006 23 113 1,977 Nonaccrual— — 3 94 58 535 9 4 703 Total commercial real estate3,215 2,081 1,019 5,870 4,800 6,875 1,559 121 25,540 Total commercialPass8,885 6,605 2,549 7,432 5,626 7,400 27,360 61 65,918 Special Mention— 11 42 838 563 271 305 — 2,030 Substandard Accrual13 12 199 719 327 1,277 934 131 3,612 Nonaccrual— 6 18 154 81 611 54 9 933 Total commercial$8,898 $6,634 $2,808 $9,143 $6,597 $9,559 $28,653 $201 $72,493 

Citizens Financial Group, Inc. | 49

The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December 31, 2024:Term Loans and Leases by Origination YearRevolving Loans(dollars in millions)20242023202220212020Prior to 2020Within the Revolving PeriodConverted to TermTotalCommercial and industrialPass$5,945 $2,525 $4,194 $2,923 $895 $2,066 $21,323 $66 $39,937 Special Mention2 79 98 236 48 48 211 — 722 Substandard Accrual9 64 207 269 139 253 697 13 1,651 Nonaccrual— 11