Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 83

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 8
Chunk 83
---
65 — 612 2.33 Total commercial40 627 83 32 66 4 852 1.19 Residential mortgages2 27 8 5 2 1 45 0.13 Home equity2 — 5 3 — — 10 0.06 Education5 — — — — — 5 0.06 Other retail9 — — — — — 9 0.22 Total retail18 27 13 8 2 1 69 0.10 Total$58 $654 $96 $40 $68 $5 $921 0.66 %Six Months Ended June 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayPrincipal ForgivenessInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$— $210 $78 $— $1 $32 $321 0.74 %Commercial real estate— 569 110 — 63 50 792 2.80 Total commercial— 779 188 — 64 82 1,113 1.55 Residential mortgages3 50 8 — 4 — 65 0.20 Home equity2 1 — — 6 — 9 0.06 Education6 1 30 — — — 37 0.33 Other retail9 — — — — — 9 0.19 Total retail20 52 38 — 10 — 120 0.17 Total$20 $831 $226 $— $74 $82 $1,233 0.87 %(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.The following tables present the financial effect of loans to borrowers experiencing financial difficulty that were modified during the three and six months ended June 30, 2025 and 2024, disaggregated by class of financing receivable:Three Months Ended June 30, 2025(dollars in millions)Weighted-A