Citizens Financial Group, Inc. is an American bank holding company that operates under Citizens Bank, National Association. The bank provides a range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company's activities are divided into two segments: Consumer Banking and Commercial Banking. The Consumer Banking segment offers a variety of financial products and services, including deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, investment services, and digital deposit products. This segment reaches its customers through telephone service centers, as well as through online and mobile platforms. The Commercial Banking segment provides a range of financial solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment covers various industries, including government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance. The company was previously known as RBS Citizens Financial Group, Inc. and renamed Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. has been operating since 1828 and is based in Providence, Rhode Island.