Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 196

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 196
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30, 2025 remained stable compared to December 31, 2024.

Commercial real estate criticized balances of $5.0 billion at June 30, 2025 increased from $4.5 billion at December 31, 2024, primarily attributable to the continued impacts of interest rates on the Multi-family sector. Approximately 97% of commercial real estate loans remain current on payments as of June 30, 2025.

For more information on the distribution of commercial loans by vintage date and regulatory classification rating, see Note 4.

Table 9: Commercial and Industrial Loans by Industry SectorJune 30, 2025December 31, 2024(dollars in millions)Balance% of Total Loans and LeasesBalance% of Total Loans and LeasesIndustry sectorFinance and insuranceCapital call facilities$7,205 5 %$6,070 4 %Secured private credit finance3,073 2 2,908 2 Other finance and insurance3,862 3 3,538 3 Other manufacturing3,650 3 3,491 3 Technology3,022 2 2,818 2 Accommodation and food services2,276 2 2,599 2 Health, pharma, and social assistance2,371 2 2,322 2 Professional, scientific, and technical services2,674 2 2,313 2 Energy and related2,033 1 2,085 1 Other services2,224 1 2,061 1 Wholesale trade2,380 2 2,010 1 Retail trade1,872 1 2,000 1 Arts, entertainment, and recreation1,593 1 1,509 1 Administrative and waste management1,318 1 1,352 1 Automotive1,164 1 1,026 1 Rental and leasing1,166 1 923 1 Consumer products manufacturing817 1 710 1 Other2,712 2 2,816 2 Total commercial and industrial$45,412 33 %$42,551 31 %

Citizens Financial Group, Inc. | 17

Table 10: Commercial Real Estate by Property Type and StateJune 30, 2025December 31, 2024(dollars in millions)Balance