Company: CFG-PE
Filing Date: 2025-07-23
Form Type: 424B2
Source: 0001193125-25-163534
Chunk: 94

Company: CITIZENS FINANCIAL GROUP INC/RI
Filing Date: 2025-07-23
Form: 424B2
Chunk 94
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 the holders thereof or vice versa, which payments may be deferred to the extent set forth in the applicable prospectus supplement, and those 15

payments may be unsecured or prefunded on some basis. The purchase contracts may require the holders thereof to secure their obligations in a specified manner to be described in the applicable
prospectus supplement. Alternatively, purchase contracts may require holders to satisfy their obligations thereunder when the purchase contracts are issued. Our obligation to settle such pre-paid purchase
contracts on the relevant settlement date may constitute indebtedness. Accordingly, pre-paid purchase contracts will be issued under either the senior indenture or the subordinated indenture.

DESCRIPTION OF UNITS

As specified in the applicable prospectus supplement, we may issue units consisting of one or more purchase contracts, warrants, debt
securities, shares of preferred stock, depositary shares, shares of common stock or any combination of such securities. The terms of any units to be issued will be set forth in the applicable prospectus supplement.

16

PLAN OF DISTRIBUTION (CONFLICTS OF INTEREST) We and/or the selling security holders, if applicable, may sell the securities in one or more of the following ways (or in any combination) from time to time:

| • |     | through underwriters or dealers; |

| • |     | directly to a limited number of purchasers or to a single purchaser; or |

| • |     | through agents. |

The prospectus supplement will state the terms of the offering of the securities, including:

| • |     | the name or names of any underwriters, dealers or agents; |

| • |     | the purchase price of such securities and the proceeds to be received by us, if any; |

| • |     | any underwriting discounts or agency fees and other items constituting underwriters’ or agents’ 
 compensation;                                                                                   |

| • |     | any public offering price; |

| • |     | any discounts or concessions allowed or reallowed or paid to dealers; and |

| • |     | any securities exchanges on which the securities may be listed. |

Any public offering price and any discounts or concessions allowed or reallowed or paid to dealers may be changed from time to time. In addition, to the extent this prospectus is used by any selling security holder to resell common stock or other securities, information with respect to the selling security holder will be contained in a prospectus supplement to this prospectus, in a post-effective amendment or in filings we make with the