Company: CFG-PE
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0000759944-25-000153
Chunk: 27

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 27
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. The modification type reflects the cumulative effect of all FDMs received during the indicated period.Three Months Ended September 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$1 $151 $— $2 $— $1 $155 0.33 %Commercial real estate— 388 22 — 102 — 512 2.00 Total commercial1 539 22 2 102 1 667 0.92 Residential mortgages1 18 6 5 — 1 31 0.09 Home equity2 1 6 3 — — 12 0.07 Education3 — — — — — 3 0.04 Other retail5 — — — — — 5 0.12 Total retail11 19 12 8 — 1 51 0.07 Total$12 $558 $34 $10 $102 $2 $718 0.51 %Three Months Ended September 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$— $75 $25 $1 $3 $104 0.24 %Commercial real estate— 156 23 67 94 340 1.22 Total commercial— 231 48 68 97 444 0.62 Residential mortgages1 15 1 4 1 22 0.07 Home equity2 1 — 4 — 7 0.04 Education3 1 16 — — 20 0.18 Other retail5 — — — — 5 0.10 Total retail11 17 17 8 1 54 0.08 Total$11 $248 $65 $76 $98 $498 0.35 %

Citizens Financial Group, Inc. | 55

Nine Months Ended September 30, 202