Citizens Financial Group, Inc. is a bank holding company based in Providence, Rhode Island. Through its subsidiaries, the company provides a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market firms, large corporations, and institutional clients. Its operations are organized into two reportable segments: Consumer Banking and Commercial Banking. The Consumer Banking segment accounts for most of the company’s revenue and serves consumers and small businesses with traditional banking offerings, including deposits, mortgage and home equity lending, credit cards, small business loans, education loans, point-of-sale finance loans, and wealth management solutions, delivered through an extensive branch and ATM network.