Company: CFG-PE
Filing Date: 2025-02-24
Form Type: 424B2
Source: 0001193125-25-032848
Chunk: 77

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-02-24
Form: 424B2
Chunk 77
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 Inc. 600 Washington Blvd. Stamford, CT 06901 Attn: Corporate Secretary Telephone: (203) 900-6715 E-mail:CFGinvestorrelations@citizensbank.com 3

SPECIAL NOTE ON FORWARD-LOOKING STATEMENTS This prospectus, any prospectus supplement, any related free-writing prospectus and the documents incorporated by reference herein or therein include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “goals,” “targets,” “initiatives,” “potentially,” “probably,” “projects,” “outlook,” “guidance” or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would,” and “could.” Forward-looking statements are based upon the current beliefs and expectations of management, and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. We caution you, therefore, against relying on any of these forward-looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. While there is no assurance that any list of risks and uncertainties or risk factors is complete, important factors that could cause actual results to differ materially from those in the forward-looking statements include the following, without limitation:

| • |     | Negative economic, business and political conditions, including as a result of the interest rate environment,                                                                             
 supply chain disruptions, inflationary pressures and labor shortages, that adversely affect the general economy, housing prices, the job market, consumer confidence and spending habits; |

| • |     | The general state of the economy and employment, as well as general business and economic conditions, and changes 
 in the competitive environment;                                                                                   |

| • |     | Our capital and liquidity requirements under regulatory standards and our ability to generate capital and 
 liquidity on favorable terms;                                                                             |

| • |     | The effect of changes in our credit ratings on our cost of funding, access to capital markets, ability to market 
 our securities, and overall liquidity position;                                                                  |

| • |     | The effect of changes in the level of commercial and consumer deposits on