Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 85

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 8
Chunk 85
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 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 June 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.June 30, 2025Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$278 $— $2 $— $91 $371 Commercial real estate495 — — 6 331 832 Total commercial773 — 2 6 422 1,203 Residential mortgages46 4 7 14 21 92 Home equity11 — — — 14 25 Education8 — — — 1 9 Other retail13 2 1 — 1 17 Total retail78 6 8 14 37 143 Total$851 $6 $10 $20 $459 $1,346 June 30, 2024Days Past Due and Accruing(dollars in millions)Current30-5960-89 90+Nonaccrual TotalCommercial and industrial$300 $11 $— $— $115 $426 Commercial real estate723 66 — — 120 909 Total commercial1,023 77 — — 235 1,335 Residential mortgages79 — 9 22 11 121 Home equity6 — — — 10 16 Education31 1 1 — 31 64 Other retail11 1 1 — 1 14 Total retail127 2 11 22 53 215 Total$1,150 $79 $11 $22 $288 $1,550 

Citizens Financial Group, Inc. | 56

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