Citizens Financial Group, Inc. · NYSE:CFG

Citizens Financial — Shareholder Meeting (April 2019)

18 slides from Citizens Financial's shareholder meeting presentation, Apr 25, 2019

  1. Slide 1: 2019 Annual Meeting

    2019 Annual Meeting April 25, 2019

  2. Slide 2: Building a top-performing bank

    Building a top-performing bank Mission  To help our customers, colleagues and communities reach their potential  Objective is to be a top-performing bank that delivers well for Strengthening all stakeholders our franchise while  Committed to excellence in every dimension delivering  Focused on l

  3. Slide 3: We've Turned the Corner

    We’ve Turned the Corner Underlying EPS(1) Underlying ROTCE(1) (Diluted EPS) (Return on average tangible common equity) 13.1% $3.56 9.8% $2.58 6.7% 7.6% $1.93 6.1% $1.42 $1.61 4.3% $1.04 (2) (2) 3Q13 2014 2015 2016 2017 2018 3Q13 2014 2015 2016 2017 2018 annualized Where we’ve come from We’ve turned

  4. Slide 4: Delivered strong results in 2018

    Delivered strong results in 2018 Underlying Underlying Underlying Total payout of net income EPS ROTCE $1.5B (1) (1) (1) (1)(2) of $1.7B of $3.56 of 13.1% or 88% +32% +38% +327 bps +31% Medium-term targets IPO-based Jan 2018 Jan 2019 Underlying ROTCE 10%+ ~13-15% ~14-16% Underlying Efficiency ratio

  5. Slide 5: Delivering for customers

    Delivering for customers Consumer  Enhanced digital capabilities with launch of Citizens Access®, a national direct-to-consumer online platform  Expanded fee-based capabilities in Mortgage and Wealth Management  Received recognition for our service and quality ─ Top 10% of companies for consumer

  6. Slide 6: Delivering for colleagues, communities and regulators

    Delivering for colleagues, communities and regulators Colleagues Communities  Organizational Health Index improved four  Volunteerism up 17% - 133,000+ hours consecutive years, reaching 70%(1) or top of  Active colleagues on approximately 900 second quartile in 2018 community boards and committee

  7. Slide 7: Delivering for shareholders – outperforming peers and market since IPO

    Delivering for shareholders – outperforming peers and market since IPO Well positioned for long-term value creation . vs Peers Since IPO 2018 Since IPO 67.8% (27.4)%  13.8% 59.6% (4.4)% in 2018 54.0% (15.8)%  11.6% 51.4% (17.7)% 11/30/14 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 9/24/14 3/31/15

  8. Slide 8: Looking forward: Aiming for Excellence

    Looking forward: Aiming for Excellence Confident that we can continue to perform well and drive toward becoming a top performing regional bank that delivers well for its stakeholders  Strong and experienced board and leadership team, best-in-class talent Success will be  Commitment to excellence i

  9. Slide 9: Key messages

    Key messages Successfully turned the corner in 2018, aiming for excellence in 2019 and beyond  2018 was another year of successful execution for Citizens ─ Financial results exceeded expectations and we made good progress toward our goals ─ Continued to build out fee-based capabilities, both organi

  10. Slide 10: Matters submitted for stockholder vote

    Matters submitted for stockholder vote 9

  11. Slide 11: Q&A

    &A %< Citizens Financial Group, Inc” 10

  12. Slide 12: Appendix

    Appendix %£ Citizens Financial Group, Inc” W

  13. Slide 13: Forward-looking statements and use of key performance metrics and non-GAAP financial measures

    Forward-looking statements and use of key performance metrics and non-GAAP financial measures This document contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Statements regarding potential future share repurchases and future dividends are

  14. Slide 14: Key performance metrics, Non-GAAP financial measures and reconciliations

    Key performance metrics, Non-GAAP financial measures and reconciliations $s in millions, except share, per share and ratio data 13

  15. Slide 15: Key performance metrics, Non-GAAP financial measures and reconciliations

    Key performance metrics, Non-GAAP financial measures and reconciliations $s in millions, except share, per share and ratio data 14

  16. Slide 16: Key performance metrics, Non-GAAP financial measures and reconciliations – Underlying excluding FAMC

    Key performance metrics, Non-GAAP financial measures and reconciliations – Underlying excluding FAMC $s in millions, except share, per share and ratio data 15

  17. Slide 17: Notes

    Notes Notes on Key Performance Metrics and Non-GAAP Financial Measures See important information on Key Performance Metrics and Non-GAAP Financial Measures, as applicable, starting on page 12 of this presentation for an explanation of our use of these metrics and non-GAAP financial measures and thei

  18. Slide 18: Citizens Financial Group, Inc.

    3< Citizens Financial Group, Inc.”

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