Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 630

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 3
Chunk 630
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Table 10: Fixed and Variable Rate Loans and Leases by MaturityDecember 31, 2024(dollars in millions)1 Year or Less(1)After 1 Year Through 5 Years(1)After 5 Years Through 15 Years(1)After 15 Years(1)Total Loans and LeasesFixed rate:Commercial and industrial$1,075 $2,376 $527 $22 $4,000 Commercial real estate1,557 3,143 2,586 30 7,316 Total commercial fixed rate2,632 5,519 3,113 52 11,316 Variable rate:Commercial and industrial10,208 26,012 2,321 10 38,551 Commercial real estate9,581 9,095 1,206 27 19,909 Total commercial variable rate(2)19,789 35,107 3,527 37 58,460 Total commercial22,421 40,626 6,640 89 69,776 Fixed rate:Residential mortgages657 2,630 7,005 8,911 19,203 Home equity74 146 180 14 414 Automobile 1,735 3,003 6 — 4,744 Education793 3,193 5,774 182 9,942 Other retail910 1,016 94 67 2,087 Total retail fixed rate4,169 9,988 13,059 9,174 36,390 Variable rate:Residential mortgages188 771 3,465 9,099 13,523 Home equity403 3,223 11,989 466 16,081 Automobile— — — — — Education101 347 408 14 870 Other retail2,556 7 — — 2,563 Total retail variable rate3,248 4,348 15,862 9,579 33,037 Total retail7,417 14,336 28,921 18,753 69,427 Total loans and leases$29,838 $54,962 $35,561 $18,842 $139,203 

(1) Maturity is based on scheduled principal repayment