Citizens Financial Group, Inc. is a retail bank holding company. The Company delivers a range of retail and commercial banking products and services to more than five million individuals, institutions and companies. The Company has 90 retail and commercial non-branch offices located both in its geographic footprint and in nine states and the District of Columbia outside the Company's branch footprint. The Company�s 11-state branch banking footprint contains approximately 29.9 million households and 3.1 million businesses according to SNL Financial. As of June 30, 2014, the Company has loans of $88.8 billion, deposits of $91.7 billion and stockholders� equity of $19.6 billion. It operates in two segments: Consumer Banking and Commercial Banking.