The company commits to engage corporate clients in high-emitting sectors on climate-related topics, beginning with a target to engage 100% of our Oil & Gas clients by the end of 2024.

The company integrates the Investors acquisition and HSBC transaction and are focused on improving branch productivity and deepening relationships with those customers.

Citizens launched the Private Bank in 2023, seeking to integrate wealth management and banking services for high-net-worth individuals and families, as well as commercial clients.

The company's TOP 8 program was completed in 2023, and a TOP 9 program was launched to allow the company to continue to self-fund investments.

In 2023, 87% of colleagues participated in the OHS, which is the all-time highest participation rate.

In 2023, with an eye toward continuing to evolve our strategy and culture, we transitioned to a new OHS tool.

Prolonged periods of inflation may impact our profitability by negatively impacting our costs and expenses, including increasing funding costs and expense related to talent acquisition and retention, and negatively impacting consumer demand and client purchasing power for our products and services.

Third parties with whom we or our customers do business also present operational and information security risks to us, including security breaches or failures of their own systems.

Ongoing geopolitical instability, such as the wars in Ukraine and the Middle East, has negatively impacted, and could in the future negatively impact, the global and U.S. economies, including by causing supply chain disruptions, rising prices for oil and other commodities, volatility in capital markets and foreign currency exchange rates, rising interest rates and heightened cybersecurity risks.

Our branch footprint is predominantly in the New England, Mid-Atlantic and Midwest regions, though certain lines of business serve national markets.

We strive to deliver seamless, multi-channel experiences that allow customers to interact with us when, where and how they choose.

Our focus is on select customer segments where we believe we are well positioned to compete.

We have deployed and scaled an agile operating model to improve our speed-to-market, deliver innovative products and services and strengthen collaboration across teams.

We believe that continued focus on operational efficiency is critical to our future profitability and ability to continue to reinvest to drive future growth.

The CSP is designed to assess and mitigate threats and risks to the Company.

We strive to use advanced data analytics and artificial intelligence for personalization and to provide timely, insight-driven, tailored advice in order to deliver solutions to consumer and commercial customers throughout their lifecycles.

The company is continuing to modernize our technology environment by strengthening our infrastructure and migrating applications to the cloud.

Technology within the financial services industry continues to evolve and new, unexpected technological changes could have a transformative effect on the way banks offer products and services.

The 10-K filing states that the company repurchased $906 million of its outstanding common stock.

The 10-K filing states that the company declared quarterly common stock dividends of $0.42 per share, aggregating to $808 million.

The 10-K filing states that the company declared preferred stock dividends aggregating to $117 million.

The company announced a $50 billion Sustainable Finance Target, including $5 billion in green financing, by 2030.

The company committed to achieving carbon neutrality by 2035.

In late 2022, we enhanced our Parental Leave Policy to six weeks of paid time off for all permanent colleagues who become parents; birth mothers are eligible for an additional 10 weeks, for a total of 16 weeks.

Our branch footprint is predominantly in the New England, Mid-Atlantic and Midwest regions, though certain lines of business serve national markets.

As a financial services organization, certain elements of risk are inherent in our transactions and operations and the business decisions we make.

Under this rule, we are viewed as having “moderate” trading assets and liabilities, which subjects us to a simplified compliance program requirement that is appropriate for our activities, size, scope, and complexity.