CITIZENS FINANCIAL GROUP INC

Citizens Financial Group, Inc. (NYSE: CFG) operates as a regional bank holding company providing comprehensive retail and commercial banking services across the United States. The company maintains its primary web presence at citizensbank.com and serves customers through more than 1,000 branches located in 14 states and the District of Columbia, supplemented by 75 retail and commercial non-branch offices. As of December 31, 2025, Citizens Financial maintains total assets of $226.4 billion, total deposits of $183.3 billion, and total stockholders' equity of $26.3 billion, with total client assets of $61.9 billion including $35.9 billion in assets under management.

The company operates through two primary business segments: Consumer Banking and Commercial Banking. Consumer Banking serves individual customers and small businesses with deposit products, mortgage and home equity lending, credit cards, small business loans, and wealth management solutions. This segment operates a multi-channel distribution network including approximately 5,100 branch colleagues, 1,000 branches with 117 in-store locations, and 3,100 ATMs. Citizens Private Bank and Private Wealth integrate banking services and wealth management for high-net-worth individuals, families, investors, and entrepreneurs. Commercial Banking serves companies and institutions with lending and leasing, deposit and treasury management services, foreign exchange, risk management solutions, loan syndication, corporate finance, and capital markets capabilities. This segment organizes around client segments including Middle Market and Midcorporate Commercial and Industrial, Commercial Real Estate, Capital Markets and Advisory, and Treasury and Wholesale Payments.

Citizens Financial employs 17,398 full-time equivalent employees as of December 31, 2025, primarily concentrated in New England and the Mid-Atlantic regions. The company's strategic vision emphasizes becoming a top-performing regional bank through a transformed Consumer Bank, best-positioned Commercial Bank, and premier Private Bank. The organization pursues five strategic objectives: growing high-quality deposits and deepening customer relationships, driving scale in growth markets and key industries, delivering high-quality solutions and advice, optimizing balance sheet and business mix, and investing in people and communities. Citizens Financial operates as a bank holding company under Federal Reserve supervision with Citizens Bank, National Association serving as its primary banking subsidiary.