Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 254

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 254
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 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 12 months preceding the default, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs at the time of default. A loan is considered to be in default if, subsequent to modification, it becomes 90 or more days past due or is placed on nonaccrual status.Three Months Ended June 30, 2025(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotalCommercial and industrial$— $26 $— $— $2 $28 Commercial real estate— 6 2 — — 8 Total commercial— 32 2 — 2 36 Residential mortgages1 11 1 3 — 16 Home equity— — 1 — — 1 Education— — — — — — Other retail1 — — — — 1 Total retail2 11 2 3 — 18 Total$2 $43 $4 $3 $2 $54 Three Months Ended June 30, 2024(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTotalCommercial and industrial$— $1 $— $— $1 Commercial real estate—