Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 137

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part II, Item 8
Chunk 137
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2 Other retail4,057 37 24 1 52 4,171 1 Total retail66,525 295 126 131 585 67,662 346 Total$137,013 $430 $143 $194 $1,524 $139,304 $438 Guaranteed residential mortgages(1)$800 $39 $26 $128 $— $993 $— December 31, 2024Days Past Due and Accruing(dollars in millions)Current30-5960-8990+Nonaccrual TotalNonaccrual with no related ACLCommercial and industrial$42,247 $35 $20 $8 $241 $42,551 $31 Commercial real estate26,212 204 27 6 776 27,225 32 Total commercial68,459 239 47 14 1,017 69,776 63 Residential mortgages32,011 251 93 179 192 32,726 142 Home equity16,097 88 27 — 283 16,495 182 Automobile4,563 100 33 — 48 4,744 6 Education10,686 45 23 2 56 10,812 4 Other retail4,504 46 31 1 68 4,650 1 Total retail67,861 530 207 182 647 69,427 335 Total$136,320 $769 $254 $196 $1,664 $139,203 $398 Guaranteed residential mortgages(1)$696 $119 $55 $172 $— $1,042 $— (1) Guaranteed residential mortgages represent loans fully or partially guaranteed by the FHA, VA, and USDA, and are included in the amounts presented for Residential mortgages. At June 30, 2025 and December 31, 2024, the Company had collateral-dependent residential mortgage and home equity loans totaling $410 million and $372 million, respectively, and collateral-dependent commercial loans totaling $287 million and $607 million, respectively.The amortized cost basis of mortgage loans collateralized by residential real estate for which formal foreclosure proceedings were in-process was $294 million and