Company: CFG-PE
Filing Date: 2025-02-13
Form Type: 10-K
Source: 0000759944-25-000013
Chunk: 417

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-13
Form: 10-K
Item: Item 7
Chunk 417
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 estate2,724 1,394 7,107 6,085 2,459 5,801 1,525 130 27,225 Total commercialPass8,665 3,830 9,942 8,335 2,814 6,265 22,757 70 62,678 Special Mention3 79 1,009 598 223 305 291 6 2,514 Substandard Accrual12 86 566 522 414 1,128 706 133 3,567 Nonaccrual— 78 157 120 95 525 36 6 1,017 Total commercial$8,680 $4,073 $11,674 $9,575 $3,546 $8,223 $23,790 $215 $69,776 

Citizens Financial Group, Inc. | 105

The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December 31, 2023:Term Loans and Leases by Origination YearRevolving Loans(dollars in millions)20232022202120202019Prior to 2019Within the Revolving PeriodConverted to TermTotalCommercial and industrialPass$3,694 $6,512 $5,331 $1,445 $1,147 $2,299 $21,033 $53 $41,514 Special Mention59 221 355 30 50 113 368 — 1,196 Substandard Accrual8 189 337 218 125 287 792 11 1,967 Nonaccrual1 72 54 4 5 102 53 6 297 Total commercial and industrial3,762 6,994 6,077 1,697 1,327 2,801 22,246 70 44,974 Commercial real estatePass1,906 5,791 6,062 2,555 2,294 3,895 1,975 8 24,486 Special Mention— 713 539 222 183 260 75 — 1,992 Substandard Accrual— 277 203 469 528 939 100 — 2,