Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 429

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 7
Chunk 429
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 — — — — — Education9 — 31 — — — 40 0.34 Other retail11 — — — — — 11 0.22 Total retail30 82 34 — 28 1 175 0.24 Total$31 $856 $103 $— $99 $4 $1,093 0.75 %(1) Represents the total amortized cost as of period-end divided by the period-end amortized cost of the corresponding loan class. Accrued interest receivable is excluded from amortized cost and is immaterial.

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The following tables present the financial effect of loans to borrowers experiencing financial difficulty that were modified during the years ended December 31, 2024 and 2023, disaggregated by class of financing receivable.Year Ended December 31, 2024(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)Commercial and industrial3.78 %15$4 $— Commercial real estate2.83 171 — Residential mortgages1.83 94— — Home equity4.01 71— — Automobile— — — — Education4.41 12— — Other retail20.18 — — 6 Year Ended December 31, 2023(dollars in millions)Weighted-Average Interest Rate Reduction(1)Weighted-Average Term Extension (in Months)(1)Weighted-Average Payment Deferral(1)Amount of Principal Forgiven(2)Commercial and industrial2.02 %15$1 $— Commercial real estate0.59 11— — Residential mortgages1.58 50— — Home equity2.64 120— — Automobile3.60 18— — Education4.76 — — — Other retail18.68 — — 5 (1) Weighted based on period-end amortized cost.(2) Amounts are recorded as charge-offs.

Citizens Financial Group, Inc. | 113

The following tables present an aging analysis of the