Risk factors

Citizens Financial Group (CFG) risk factors

Item 1A of every Citizens Financial Group Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    40 risks1 new1 dropped17 reworded

    Risk management updates focus heavily on credit risk frameworks, interest rate sensitivities, and evolving climate transition expectations.

    Filed Feb 12, 2026
  • FY2024 10-K risk factors
    40 risks

    Citizens Financial Group faces heavy regulatory oversight as a bank holding company supervised by the FRB and OCC. Interest rate fluctuations, credit quality deterioration, and cybersecurity threats heavily impact its banking operations.

    Filed Feb 13, 2025