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  "slug": "citizens-financial-group-ri",
  "name": "CITIZENS FINANCIAL GROUP INC/RI",
  "updatedAt": "2026-03-18T12:01:07.708123Z",
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    {
      "type": "OVERVIEW",
      "text": "Citizens Financial Group, Inc. is a Providence, Rhode Island-headquartered bank holding company focused on U.S. retail and commercial banking, serving individuals, small businesses, middle-market companies, large corporations and institutions. Its core businesses are Consumer Banking and Commercial Banking, and its products and services include deposits, mortgages and home equity lending, credit cards, small-business loans, wealth management and investment services, as well as commercial lending, leasing, treasury management, foreign exchange, risk management and capital markets-related services [P-72dcbc22316a473a933e7734e05db9d5][P-026b5284c0334998be1ee66ea67db865][P-dc94aa42fb3f478280e893a38aaaa4e1].\n\nThe company’s footprint is primarily domestic, with more than 1,000 branches across 14 states and the District of Columbia, plus 97 retail and commercial non-branch offices; certain businesses and digital offerings also serve customers nationally. Citizens says its mission is to help its customers, colleagues and communities reach their potential, and its vision is to become a top-performing bank distinguished by a customer-centric culture, continuous improvement, product innovation and strong capabilities [P-61fcccf254b6435ca5d331dc5442c8b9][P-7892b644b96b49348cfcc1159dd03760][P-0ec1cfe272254a3cb40908120e83798f].\n\nAs indicators of size, Citizens reported $217.5 billion in total assets, $174.8 billion in deposits and $24.3 billion in total stockholders’ equity at December 31, 2024. It employed 17,287 full-time equivalent employees and generated about $7.8 billion of total revenue in 2024 [P-72dcbc22316a473a933e7734e05db9d5][P-e3a5b70d416f45d6a89de194e23514e9][P-86f69664eff7473db22d022827b84e9d].",
      "updatedAt": "2026-03-18T12:01:07.708123Z"
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    {
      "type": "PRODUCTS",
      "text": "Citizens Financial Group’s consumer product set includes deposits, mortgage lending, home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management and investment services; it also offers select digital deposit products on a nationwide basis. Its private banking offering is branded as Citizens Private Bank and combines banking and wealth management services for high- and ultra-high-net-worth individuals, families, family offices, private equity and venture capital firms, and business clients. [P-026b5284c0334998be1ee66ea67db865][P-77d88503ca2c4a4796dc600ee6ad72ca]\n\nIn commercial banking, Citizens offers lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, syndicated loans, corporate finance, mergers and acquisitions advice, and debt and equity capital markets capabilities. Its treasury solutions include domestic and international receivables, payables, information reporting, liquidity management, commercial credit cards, and trade finance. Within commercial real estate, the bank provides customized debt capital solutions for middle-market operators, institutional developers, investors, and REITs across multi-family, office, industrial, retail, healthcare, and hospitality properties. [P-dc94aa42fb3f478280e893a38aaaa4e1][P-6b8507836874473a8188cc438dfec6c2][P-7de1246f16724d419e593c28009d5436]\n\nIts capital markets and advisory platform is organized around Corporate Finance, Capital Markets, and Global Markets, with services including capital structure advice, acquisition and follow-on financing, underwriting, portfolio management, loan/fixed-income/equity sales and trading, brokerage and equity research, and foreign-exchange, interest-rate, and commodities risk management. Where product mix is quantified, 2024 consumer banking fee revenue from contracts with customers was split roughly evenly among service charges and fees (33.1%), card fees (32.7%), and wealth fees (33.8%), while commercial banking fee revenue was concentrated in capital markets fees (69.6%), ahead of service charges and fees (20.0%) and card fees (8.4%). At year-end 2024, the loan portfolio was diversified across commercial and industrial loans (30.6% of total loans), residential mortgages (23.5%), commercial real estate (19.6%), home equity loans (11.8%), education loans (7.8%), automobile loans (3.4%), and other retail loans (3.3%).\n\n[P-a2f792b60833455282ef300a2a14aa0f][P-91d9bfa12fbe4b3a87b6fa086a4f89c8][T-a90e9a8d85eb452e87a62ddd41933baf][T-585a1287de724f76912c7105c4d49d56]",
      "updatedAt": "2026-03-18T12:01:07.708123Z"
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      "type": "GEOGRAPHY",
      "text": "Citizens Financial Group is headquartered in Providence, Rhode Island, and describes its retail branch footprint as concentrated in the New England, Mid-Atlantic, and Midwest regions.[P-1e0f3eabf9ba42a89c599b017ff4ae36][P-2b8f37af242f4681adf1e61c80e28141] The company says it offers products and services through more than 1,000 branches in 14 states and the District of Columbia, along with 97 retail and commercial non-branch offices.[P-72dcbc22316a473a933e7734e05db9d5] Its current branch network is listed across Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington, D.C.[https://locations.citizensbank.com/]\n\nWithin Consumer Banking, Citizens reports roughly 1,000 branches, including 143 in-store locations, and about 3,100 ATMs, serving customers largely across its traditional 14-state footprint, while some digital offerings are available nationwide.[P-7892b644b96b49348cfcc1159dd03760][P-026b5284c0334998be1ee66ea67db865] As of December 31, 2024, the company had 17,287 full-time equivalent employees, primarily located across New England and the Mid-Atlantic.[P-e3a5b70d416f45d6a89de194e23514e9] Citizens does not appear to provide a country- or region-level revenue split in the reviewed annual report; instead it presents revenue by revenue stream and business segment, and notes that substantially all revenues and long-lived assets are derived from customers residing in the United States.\n\n[P-91d9bfa12fbe4b3a87b6fa086a4f89c8][P-fbc28366fc684d45b7c0bebce22f9e21]",
      "updatedAt": "2026-03-18T12:01:07.708123Z"
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      "type": "SEGMENTS",
      "text": "Citizens Financial Group reports three business operating segments: Consumer Banking, Commercial Banking, and Non-Core; activities outside those segments are included in Other/non-segment operations. [P-2887c60c890440208f85f0d5f7913f1f][P-8ca5a4937db44a23ae3388c9e2af3eab]\n\nConsumer Banking focuses on consumer customers and small businesses, offering deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, wealth management and investment services, and private banking for high- and ultra-high-net-worth clients. [P-efb5929acd76450d8512328a3c29b3d2][P-026b5284c0334998be1ee66ea67db865] Commercial Banking focuses on companies and institutions, with products and services including lending and leasing, deposits and treasury management, foreign exchange, interest-rate and commodity risk management, syndicated loans, corporate finance, M&A, and debt and equity capital markets. [P-fb9da977ee2342068d1464ffe13eb354][P-8fb0e04c4f2c4172a704f9287c72f5d3] Non-Core consists mainly of indirect auto and certain purchased consumer loan portfolios whose origination was discontinued in 2023 as part of balance-sheet optimization. [P-a9b4e2594c3d4bac9ac24813c692f7d3][P-0bd66ce6dc8f43e48d923682deebcbe2]\n\nUsing 2024 total revenue by reportable segment, Consumer Banking contributed about $5.7 billion, Commercial Banking about $2.9 billion, and Non-Core about negative $0.1 billion. [T-aa0a109809ad4f498f843f931923eba7] That is approximately 68% of total segment revenue for Consumer Banking, 34% for Commercial Banking, and -1% for Non-Core. [T-00ad0a7fe469438a9381175905336ceb] Because Other/non-segment operations were negative, the reportable segments sum to more than 100% of consolidated revenue; on that basis, Consumer Banking was about 73%, Commercial Banking about 37%, Non-Core about -1%, and Other/non-segment operations about -8%.\n\n[P-93724128d4bf4f9c816188c20623431c]",
      "updatedAt": "2026-03-18T12:01:07.708123Z"
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      "text": "Citizens Financial Group traces its origins to 1828 in Providence, Rhode Island, while the present holding company was incorporated in Delaware in 1984. [https://www.citizensbank.com/about-us/our-company/our-history.aspx][P-6985a01e5cfe470599b121c486e53382]\n\nA major expansion came in 2004, when Citizens announced the acquisition of Charter One Financial, a deal that broadened its banking footprint beyond its traditional base. [https://www.globenewswire.com/news-release/2004/05/04/309985/3472/en/Royal-Bank-of-Scotland-Group-plc-Announces-Acquisition-of-Charter-One-for-10-5-Billion-GBP5-8-Billion-Placing-to-Raise-GBP2-5-Billion.html] In 2014, the company launched and priced its initial public offering, returning to the public markets. [https://investor.citizensbank.com/about-us/newsroom/latest-news/2014/2014-09-08.aspx][https://investor.citizensbank.com/about-us/newsroom/latest-news/2014/2014-09-23.aspx] In 2015, Citizens completed its separation from Royal Bank of Scotland and became fully independent.\n\n[P-0dad73abc4ca4868aae8e170c12c4e6f][https://investor.citizensbank.com/about-us/newsroom/latest-news/2015/2015-11-03-190856894.aspx]",
      "updatedAt": "2026-03-18T12:01:07.708123Z"
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