Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 1040

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 7
Chunk 1040
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 period-end amortized cost 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. A loan in a forbearance or repayment plan is reported as past due according to its contractual terms until contractually modified. Subsequent to modification, it is reported as past due based on its restructured terms.December 31, 2024Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$290 $3 $— $— $64 $357 Commercial real estate546 92 — 4 385 1,027 Total commercial836 95 — 4 449 1,384 Residential mortgages49 13 7 22 23 114 Home equity10 — — — 13 23 Automobile— — — — — — Education26 — — — 32 58 Other retail12 2 1 — 1 16 Total retail97 15 8 22 69 211 Total$933 $110 $8 $26 $518 $1,595 December 31, 2023Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$211 $— $— $— $114 $325 Commercial real estate402 7 — 26 158 593 Total commercial613 7 — 26 272 918 Residential mortgages61 11 7 17 13 109 Home equity5 — — — 10 15 Automobile— — — — — — Education37 1 — — 2 40 Other retail8 1 1 — 1 11 Total retail111 13 8 17 26 175 Total$724 $20 $8 $43 $298 $1,093 

Citizens Financial Group, Inc. | 114

The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that defaulted during the period presented and were modified within the previous 12