Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 198

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 198
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rualCurrent30-5960-8990+NonaccrualResidential mortgages98.71 %0.22 %0.10 %0.38 %0.59 %97.81 %0.77 %0.28 %0.55 %0.59 %Home equity97.81 0.45 0.15 — 1.59 97.59 0.53 0.16 — 1.72 Automobile96.22 2.05 0.73 — 1.00 96.18 2.11 0.70 — 1.01 Education99.18 0.39 0.19 0.02 0.22 98.83 0.42 0.21 0.02 0.52 Other retail97.26 0.89 0.58 0.02 1.25 96.86 0.99 0.67 0.02 1.46 Total retail98.32 %0.44 %0.19 %0.19 %0.86 %97.75 %0.76 %0.30 %0.26 %0.93 %

Citizens Financial Group, Inc. | 18

Table 12: Retail Asset Quality MetricsJune 30, 2025December 31, 2024Average refreshed FICO for total portfolio775 775 CLTV ratio for secured real estate(1)50 %50 %

(1) The real estate secured portfolio CLTV is calculated as the mortgage and second lien loan balance divided by the most recently available value of the property.

For more information on the aging of accruing and nonaccrual retail loans, and the distribution of retail loans by vintage date and FICO score, see Note 4.

Deposits

Table 13: Composition of Deposits(dollars in millions)June 30, 2025% of Total DepositsDecember 31, 2024% of Total DepositsNoninterest-bearing demand$38,001 22%$36,920 21%Checking with interest34,918 2033,246 19Savings25,400 1425,976 15Money market55,638 3255,321 32Time21,129 1223,313