Citizens Financial Group is a bank holding company that serves consumers, small businesses, middle-market companies, large corporations, and institutions across a 14-state footprint plus the District of Columbia, operating through Consumer Banking and Commercial Banking segments. The Consumer Banking segment offers deposits, mortgages, credit cards, small business loans, wealth management, and digital products, while the Commercial Banking segment provides lending, treasury management, foreign exchange, risk management, capital markets, and advisory services to larger enterprises and institutions. The company generates revenue through interest earnings on loans and investments, deposit spreads, wealth management fees, treasury services fees, and capital markets activities, leveraging its branch network, digital platforms, and relationship-oriented business model to compete against traditional banks, credit unions, and technology-driven financial services providers.