Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 88

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 88
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 — — 5 (1) Weighted based on period-end amortized cost. (2) Amounts are recorded as charge-offs.The following tables present an aging analysis of the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during the twelve month period ending September 30, 2025 and 2024, 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.September 30, 2025Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$348 $1 $— $35 $61 $445 Commercial real estate733 83 2 4 293 1,115 Total commercial1,081 84 2 39 354 1,560 Residential mortgages49 7 6 16 19 97 Home equity8 — — — 22 30 Education8 — — — 2 10 Other retail13 2 1 — 1 17 Total retail78 9 7 16 44 154 Total$1,159 $93 $9 $55 $398 $1,714 

Citizens Financial Group, Inc. | 57

September 30, 2024Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$211 $35 $1 $— $54 $301 Commercial real estate590 30 63 — 287 970 Total commercial801 65 64 — 341 1,271 Residential mortgages73 6 4 16 12 111 Home equity11 — — — 8 19 Education34 1 — — 35 70 Other retail12 1 1 — 1 15 Total retail130 8 5 16 56 215 Total$931 $73 $69 $16 $397 $1,486 The following tables present the period-end amortized cost of