CFG

Citizens Financial Group, Inc. is a regional bank holding company providing retail and commercial banking, mortgage lending, wealth management, and other financial services primarily in the northeastern and midwestern United States. The company operates through Citizens Bank branches serving consumers and small businesses, and commercial banking divisions serving middle-market companies, large corporations, and institutions. Citizens offers deposit accounts, residential mortgages, home equity lending, student loans, business loans, treasury management, capital markets, and wealth advisory services. Founded in 1828 and headquartered in Providence, Rhode Island, Citizens was owned by the Royal Bank of Scotland from 1988 to 2015 before being spun off as an independent public company. The bank operates in affluent markets including New England, Mid-Atlantic, and select Midwest states. Citizens benefits from strong deposit franchise, diversified business mix, technology investments, and commercial banking capabilities. The bank faces competitive pressures from national and regional banks, fintechs, credit quality risks, and interest rate sensitivity. Citizens continues to focus on digital banking, customer experience, operational efficiency, and targeted growth initiatives.