Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 81

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 81
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 liquidation preference per share, which we refer to 
 as the “Series C preferred stock”;                                                                                               |

| • |     | 450,000 shares of 5.000% Fixed Rate Non-Cumulative Perpetual Preferred                                         
 Stock, Series E, $1,000 liquidation preference per share, which we refer to as the “Series E preferred stock”; |

| • |     | 400,000 shares of 5.650% Fixed Rate Reset Non-Cumulative Perpetual                                                       
 Preferred Stock, Series F, $1,000 liquidation preference per share, which we refer to as the “Series F preferred stock”; |

| • |     | 300,000 shares of 4.000% Fixed-Rate Reset Non-Cumulative Perpetual                                                           
 Preferred Stock, Series G, $1,000 liquidation preference per share, which we refer to as the “Series G preferred stock;” and |

| • |     | 400,000 shares of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred                                         
 Stock, Series H, $1,000 liquidation preference per share, which we refer to as the “Series H preferred stock.” |

Unless otherwise indicated, the terms and provisions described below relate to each of Citizens’ Series B preferred stock, the Series C preferred stock, the Series E preferred stock, the Series F preferred stock, the Series G preferred stock and the Series H preferred stock, which we collectively refer as the “Citizens preferred stock.” Other than as described below, the terms of the Series B preferred stock, the Series C preferred stock, the Series E preferred stock, the Series F preferred stock, the Series G preferred stock and the Series H preferred stock are substantially similar. Ranking Each series of Citizens preferred stock ranks on a parity with each other as to payment of dividends and amounts payable upon liquidation, dissolution or winding up of the company. Each series of Citizens preferred stock ranks prior to the Citizens common stock as to payment of dividends and amounts payable on liquidation, dissolution or winding up. Conversion No shares of Citizens preferred stock are convertible into Citizens common stock or any other class or series of Citizens’ securities. Dividends Dividends on the Citizens preferred stock, if declared by the Citizens board, accrue and are payable at the respective rates specified below:

| • |     | Series E preferred stock: quarterly at a fixed rate per annum equal to 5.000%; |

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