Citizens Financial Group to Present at UBS Financial Services Conference

Citizens Financial Group Set to Present at UBS Financial Services Conference

PROVIDENCE, R.I. — Citizens Financial Group, Inc. (NYSE: CFG) announced today that Don McCree, Chair of Commercial Banking, and Ted Swimmer, Head of Commercial Banking, are scheduled to participate in the UBS Financial Services Conference 2026. The presentation will take place on Tuesday, February 10, 2026, at 10:30 AM Eastern Time.

Investors and interested parties can access a live webcast of the presentation via the Citizens Investor Relations website at investor.citizensbank.com. The webcast will be available under the “Events & Presentations” section.

**About Citizens Financial Group, Inc.**

Citizens Financial Group, Inc. stands as one of the nation’s most established and significant financial institutions, reporting assets of $226.4 billion as of December 31, 2025. With its headquarters in Providence, Rhode Island, Citizens offers a comprehensive suite of financial products and services tailored to individuals, small businesses, middle-market companies, large corporations, and institutions. The bank’s core philosophy centers on understanding and addressing customer needs to deliver personalized advice, innovative ideas, and effective solutions.

In its Consumer Banking division, Citizens provides a seamlessly integrated experience through its mobile and online banking platforms, a dedicated customer contact center, and a widespread network of approximately 3,100 ATMs and 1,000 branches spanning 14 states and the District of Columbia. Offerings encompass a full spectrum of banking, lending, savings, wealth management, and small business services. This division also includes Citizens Private Bank and Private Wealth, which combine banking and wealth management to serve high-net-worth individuals and families, as well as entrepreneurs and businesses.

The Commercial Banking segment delivers a robust array of financial products and solutions designed for businesses. These include lending and leasing, sophisticated treasury and deposit management services, foreign exchange services, and strategies for managing commodity and interest rate risks. Furthermore, Citizens Commercial Banking provides expertise in loan syndication, corporate finance, merger and acquisition advisory, and debt and equity capital markets.

Further information about Citizens Financial Group, Inc. can be found at www.citizensbank.com.

**Key Financial Concepts in Focus:**

* **Foreign Exchange:** The process of converting one currency into another is critical for businesses engaged in international trade and investment, directly impacting costs, revenues, and the value of cross-border transactions.
* **Interest Rate:** Central bank decisions on interest rates serve as a powerful lever for economic activity. Rising rates can increase borrowing costs for companies, potentially impacting investment and profitability, while lower rates can stimulate borrowing and economic growth.
* **Commodity Risk Management:** For companies reliant on raw materials or energy, effectively managing price volatility through hedging strategies and operational adjustments is key to maintaining stable margins and predictable earnings.
* **Loan Syndication:** This mechanism allows multiple lenders to collectively provide large loans, spreading risk and enabling access to significant capital for major corporate projects or acquisitions.
* **Mergers and Acquisitions (M&A):** Strategic M&A activities are fundamental to corporate growth and market positioning. Investors closely monitor M&A trends to assess potential shifts in market dynamics, competitive landscapes, and company valuations.
* **Debt and Equity Capital Markets:** These markets are essential for companies seeking to raise capital for expansion, operations, or strategic initiatives. Access to and the cost of debt and equity financing significantly influence a company’s growth trajectory and financial structure.
* **Treasury Management Services:** Efficient management of a company’s cash flow, liquidity, and financial risks is paramount. Robust treasury services ensure operational continuity, optimize returns on cash reserves, and minimize financial vulnerabilities.