Citizens Financial Group, Inc. Depositary Shares Each Representing a 1/40th Interest in a Share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H

Citizens Financial Group, Inc. engages in the provision of commercial banking services. The company is headquartered in Providence, Rhode Island and currently employs 17,380 full-time employees. The company went IPO on 2014-09-24. The firm operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, wealth management and investment services largely across its 14-state traditional banking footprint. Consumer Banking segment operates approximately 1,000 branches, including 143 in-store locations, and approximately 3,100 ATMs. Commercial Banking segment primarily serves companies and institutions with financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as syndicated loans, and others.