Company: CFG-PE
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000759944-25-000108
Chunk: 244

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 2
Chunk 244
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 3,074 31 4,171 Total retail800+660 2,096 1,782 4,209 6,674 8,717 6,631 183 30,952 740-7991,200 1,757 1,245 2,356 3,106 4,219 6,538 220 20,641 680-739315 618 551 991 1,168 1,710 4,046 199 9,598 620-67937 171 194 366 368 701 1,143 169 3,149 <62018 55 215 351 381 782 745 338 2,885 No FICO available(1)8 1 — 3 1 34 390 — 437 Total retail$2,238 $4,698 $3,987 $8,276 $11,698 $16,163 $19,493 $1,109 $67,662 (1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes).

Citizens Financial Group, Inc. | 50

The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of December 31, 2024:Term Loans by Origination YearRevolving Loans(dollars in millions)20242023202220212020Prior to 2020Within the Revolving PeriodConverted to TermTotalResidential mortgages800+$1,230 $1,302 $3,299 $5,109 $2,919 $3,869 $— $— $17,728 740-7991,757 873 1,568 2,213 1,338 1,923 — — 9,672 680-739425 281 552 697 385 938 — — 3,278 620-67931 61 126 151 101 494 — — 964 <62015 37 76 147 89 703 — — 1,067 No FICO available(1)1 — — 1 1 14 — — 17 Total residential mortgages3,459 2,