Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 27

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 1
Chunk 27
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 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$— $136 $— $3 $1 $4 $144 0.32 %Commercial real estate— 283 49 29 43 — 404 1.54 Total commercial— 419 49 32 44 4 548 0.76 Residential mortgages1 13 5 1 2 1 23 0.07 Home equity2 — 4 2 — — 8 0.05 Education3 — — — — — 3 0.04 Other retail5 — — — — — 5 0.12 Total retail11 13 9 3 2 1 39 0.06 Total$11 $432 $58 $35 $46 $5 $587 0.42 %Three Months Ended June 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayPrincipal ForgivenessInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalTotal as a % of Loan Class(1)Commercial and industrial$— $184 $14 $— $— $— $198 0.45 %Commercial real estate— 307 87 — 24 49 467 1.65 Total commercial— 491 101 — 24 49 665 0.92 Residential mortgages2 15 5 — 2 — 24 0.08 Home equity1 1 — — 2 — 4 0.03 Education3 2 19 — — — 24 0.21 Other retail4 — — — — — 4 0.08 Total retail10 18 24 — 4 — 56 0.08 Total$10 $509 $125 $— $28 $49 $721 0.51 %

Citizens Financial Group, Inc. | 54

Six Months Ended June 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate