XML 104 R81.htm IDEA: XBRL DOCUMENT
v3.25.0.1

CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES - Summary of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Allowance for loan and lease losses, beginning of period | $ 2,098 | $ 1,983 | $ 1,758
Allowance on PCD loans and leases at acquisition |  |  | 101
Charge-offs | (923) | (757) | (434)
Recoveries | 177 | 148 | 164
Net charge-offs | (746) | (609) | (270)
Provision expense (benefit) for loans and leases | 709 | 724 | 394
Allowance for loan and lease losses, end of period | 2,061 | 2,098 | 1,983
Unfunded lending commitments [Roll Forward] |  |  |
Allowance for unfunded lending commitments, beginning of period | 220 | 257 | 176
Provision expense (benefit) for unfunded lending commitments | (22) | (37) | 80
Allowance on PCD unfunded lending commitments at acquisition |  |  | 1
Allowance for unfunded lending commitments, end of period | 198 | 220 | 257
Total allowance for credit losses, end of period | 2,259 | 2,318 | 2,240
Investors Acquisition |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Charge-offs |  |  | (34)
HSBC Bank And Investors Acquisitions |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Provision expense (benefit) for loans and leases |  |  | 169
Commercial |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Allowance for loan and lease losses, beginning of period | 1,250 | 1,060 | 821
Allowance on PCD loans and leases at acquisition |  |  | 99
Charge-offs | (419) | (285) | (70)
Recoveries | 43 | 18 | 18
Net charge-offs | (376) | (267) | (52)
Provision expense (benefit) for loans and leases | 266 | 457 | 192
Allowance for loan and lease losses, end of period | 1,140 | 1,250 | 1,060
Unfunded lending commitments [Roll Forward] |  |  |
Allowance for unfunded lending commitments, beginning of period | 175 | 207 | 153
Provision expense (benefit) for unfunded lending commitments | (20) | (32) | 53
Allowance on PCD unfunded lending commitments at acquisition |  |  | 1
Allowance for unfunded lending commitments, end of period | 155 | 175 | 207
Total allowance for credit losses, end of period | 1,295 | 1,425 | 1,267
Retail |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Allowance for loan and lease losses, beginning of period | 848 | 923 | 937
Allowance on PCD loans and leases at acquisition |  |  | 2
Charge-offs | (504) | (472) | (364)
Recoveries | 134 | 130 | 146
Net charge-offs | (370) | (342) | (218)
Provision expense (benefit) for loans and leases | 443 | 267 | 202
Allowance for loan and lease losses, end of period | 921 | 848 | 923
Unfunded lending commitments [Roll Forward] |  |  |
Allowance for unfunded lending commitments, beginning of period | 45 | 50 | 23
Provision expense (benefit) for unfunded lending commitments | (2) | (5) | 27
Allowance on PCD unfunded lending commitments at acquisition |  |  | 0
Allowance for unfunded lending commitments, end of period | 43 | 45 | 50
Total allowance for credit losses, end of period | $ 964 | $ 893 | $ 973

X
- Definition Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest And Off-Balance-Sheet, Credit Loss, Liability + References No definition available. + Details
Name: | cfg_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability
Namespace Prefix: | cfg_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Off-Balance-Sheet, Credit Loss, Liability, Purchased With Credit Deterioration At Acquisition Date + References No definition available. + Details
Name: | cfg_OffBalanceSheetCreditLossLiabilityPurchasedWithCreditDeteriorationAtAcquisitionDate
Namespace Prefix: | cfg_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of allowance for credit loss at acquisition date of financing receivable purchased with credit deterioration. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 19 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-19 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiability
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiabilityRollforward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_BusinessAcquisitionAxis=cfg_InvestorsAcquisitionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_BusinessAcquisitionAxis=cfg_HSBCBankAndInvestorsAcquisitionsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |