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Citizens Financial Group, Inc. Jan 07

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Abstract
Strong parent company support Good asset quality Geographic diversity Pressured lower-than-average net interest margin Historically aggressive capital levels Low revenue diversification Standard & Poor's Ratings Services' ratings on Citizens Financial Group (Citizens) are based on the support of its 'AA/Stable/A-1+' rated parent, The Royal Bank of Scotland PLC (RBS). The ratings are also based on the Providence, R.I.-based bank's good asset quality, solid core deposit base, and strong position in the vibrant markets of New England and Pennsylvania. With the Charter One acquisition fully integrated and under its belt, Citizens is leveraging its expanded footprint evidenced by good organic loan growth. Charter One not only enlarged the company's asset base by about 50%, but it also improved Citizens' business profile,...

Companies mentioned in this report are:
- RBS Citizens Financial Group, Inc.
- National Westminster Bank PLC
- The Royal Bank of Scotland PLC
- Charter One Bank N.A.
- The Royal Bank of Scotland Group PLC
- Ulster Bank Ltd.
- Ulster Bank Finance PLC
- The National Insurance and Guarantee Corporation Ltd. (Unsolicited Ratings)
- Citizens Bank of Rhode Island
- Citizens Bank of Massachusetts
- Ulster Bank Ireland Ltd.
- Citizens Bank of Pennsylvania
- Citizens Bank New Hampshire
- Citizens Bank of Connecticut
- RBS Citizens N.A.

Action: Review

Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.

Research Type: Full Analysis

Companies Mentioned

- RBS Citizens Financial Group, Inc.
- National Westminster Bank PLC
- The Royal Bank of Scotland PLC
- Charter One Bank N.A.
- The Royal Bank of Scotland Group PLC
- Ulster Bank Ltd.
- Ulster Bank Finance PLC
- The National Insurance and Guarantee Corporation Ltd. (Unsolicited Ratings)
- Citizens Bank of Rhode Island
- Citizens Bank of Massachusetts
- Ulster Bank Ireland Ltd.
- Citizens Bank of Pennsylvania
- Citizens Bank New Hampshire
- Citizens Bank of Connecticut
- RBS Citizens N.A.

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Citizens Financial Group, Inc. Jan 07

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Order information

Product name

Web Address

Office Code

Report Formats

Contact information

Please fax this form to: (646) 607-1907 or (646) 964-6609 (from USA) +353-1-481-1716 or +353-1-653-1571 (from Rest of World)

Payment information

Please fax this form to: (646) 607-1907 or (646) 964-6609 (from USA) +353-1-481-1716 or +353-1-653-1571 (from Rest of World)

Please fax this form to:
(646) 607-1907 or (646) 964-6609 (from USA)
+353-1-481-1716 or +353-1-653-1571 (from Rest of World)

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+353-1-481-1716 or +353-1-653-1571 (from Rest of World)