Citigroup In North America offices — Total modifications balance increased by 94.4% to $696.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 18.0%, from $590.00M to $696.00M. Over 2 years (FY 2023 to FY 2025), In North America offices — Total modifications balance shows an upward trend with a 26.6% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
An increasing balance indicates a growing reliance on restructuring to manage credit risk.
The aggregate outstanding balance of all loans that have undergone a formal modification process in the North American s...
Comparable to 'total restructured loans' or 'modified loan portfolio' at peer institutions.
c_segment_in_north_america_offices_total_modifications_balance| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $338.00M | $335.00M | $392.00M | $307.00M | $487.00M | $444.00M | $507.00M | $340.00M | $590.00M | $741.00M | $510.00M | $358.00M | $696.00M |
| QoQ Change | — | -0.9% | +17.0% | -21.7% | +58.6% | -8.8% | +14.2% | -32.9% | +73.5% | +25.6% | -31.2% | -29.8% | +94.4% |
| YoY Change | — | — | — | — | +44.1% | +32.5% | +29.3% | +10.7% | +21.1% | +66.9% | +0.6% | +5.3% | +18.0% |