Citizens Financial Group, Inc. is a bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States. It operates through two segments: Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending, credit cards, business loans, wealth management, education and point-of-sale finance loans, and digital deposit products, serving customers through telephone service centers and online and mobile platforms. The Commercial Banking segment provides lending and leasing, deposit and treasury management, foreign exchange, interest rate and commodity risk management, syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. The company serves small businesses, high- and ultra-high-net-worth individuals and families, investors, entrepreneurs, companies and institutions, as well as the multifamily, office, industrial, retail, healthcare, and hospitality sectors. It was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Founded in 1828, it is headquartered in Providence, Rhode Island.