CFG 10-Q Quarterly Report Sept. 30, 2018

CITIZENS FINANCIAL GROUP INC/RI

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TABLE OF CONTENTS

Part I. Financial Information Item 2. Management S Discussion and Analysis Of Financial Condition and Results Of Operations Item 1. Financial Statements Note 1 - Basis Of Presentation Note 2 - Securities Note 3 - Loans and Leases Note 4 - Allowance For Credit Losses, Nonperforming Assets, and Concentrations Of Credit Risk Note 5 - Mortgage Banking Note 6 - Goodwill and Intangible Assets Note 7 - Variable Interest Entities Note 8 - Borrowed Funds Note 9 - Derivatives Note 10 - Reclassifications Out Of Accumulated Other Comprehensive Income (loss)Note 11 - Stockholders Equity Note 12 - Commitments and Contingencies Note 13 - Fair Value Measurements Note 14 - Noninterest Income Note 15 - Other Operating Expense Note 16 - Income Taxes Note 17 - Earnings Per Share Note 18 - Regulatory Matters Note 19 - Business Operating Segments Item 3. Quantitative and Qualitative Disclosures About Market Risk Item 4. Controls and Procedures Part II. Other Information Item 1. Legal Proceedings Item 1A. Risk Factors Item 2. Unregistered Sales Of Equity Securities and Use Of Proceeds Item 6. Exhibits

Exhibits

3.1 Amended and Restated Certificate of Incorporation of the Registrant as in effect on the date hereof (incorporated herein by reference to Exhibit 3.1 of the Quarterly Report on Form 10-Q, filed May 8, 2015)3.2 Certificate of Designations of the Registrant with respect to the Series B Preferred Stock, dated May 22, 2018, filed with the Secretary of State of the State of Delaware and effective May 22, 2018 (incorporated herein by reference to Exhibit 3.1 of the Current Report on Form 8-K, filed May 24, 2018)3.3 Certificate of Designations of the Registrant with respect to the Series C Preferred Stock, dated October 24, 2018, filed with the Secretary of State of the State of Delaware and effective October 24, 2018 (incorporated herein by reference to Exhibit 3.1 of the Current Report on Form 8-K, filed October 25, 2018)3.4 Bylaws of the Registrant (as amended and restated on October 20, 2016) (incorporated herein by reference to Exhibit 3.1 of the Current Report on Form 8-K, filed October 24, 2016)4.1 Certificate of Designations of the Registrant with respect to the Series C Preferred Stock, dated October 24, 2018, filed with the Secretary of State of the State of Delaware and effective October 24, 2018 (incorporated herein by reference to Exhibit 4.1 of the Current Report on Form 8-K, filed October 25, 2018)12.1 Computation of Ratio of Earnings to Fixed Charges*12.2 Computation of Ratio of Earnings to Fixed Charges and Preferred Dividends*31.1 Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*31.2 Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*32.1 Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002*32.2 Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002*

Customer name	Ticker
Apartment Investment and Management Company	AIV
Equity Residential	EQR

CFG 10-Q Quarter ended Sept. 30, 2018

Exhibits