{
  "docId": "019dd923-5e88-73ef-bd5a-3f171573069e",
  "docSlug": "95e88d3c1fffd520",
  "documentTitle": "goldman sachs dec 2023 final 12 5 23",
  "authorId": "GoldmanSachs",
  "authorName": "Citizens Financial Group",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "equity_research",
  "sourceTypeLabel": "Equity research",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.333,
  "pageNumber": 14,
  "pageCount": 17,
  "prevPage": 13,
  "nextPage": 15,
  "slideType": "appendix_disclosure",
  "function": "appendix",
  "density": "dense",
  "nDataPoints": 0,
  "notes": "This slide serves as a technical appendix for data methodology and definitions used throughout the deck.",
  "elementsJson": [
    "paragraph",
    "numbered_list"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5e88-73ef-bd5a-3f171573069e/14",
  "deckHref": "/decks/019dd923-5e88-73ef-bd5a-3f171573069e",
  "deckJsonHref": "/decks/019dd923-5e88-73ef-bd5a-3f171573069e.json",
  "deckAnchorHref": "/decks/019dd923-5e88-73ef-bd5a-3f171573069e#slide-14",
  "components": [
    {
      "bbox": {
        "h": 0.12,
        "w": 0.85,
        "x": 0.08,
        "y": 0.31
      },
      "kind": "list",
      "text": "General Notes\na. References to net interest margin are on a fully taxable equivalent (\"FTE\") basis.\nb. Throughout this presentation, references to consolidated and/or commercial loans and loan growth include leases. Loans held for sale are also referred to as LHFS.\nc. Select totals may not sum due to rounding.\nd. Throughout this presentation, reference to balance sheet items are on an average basis and loans exclude held for sale unless otherwise noted.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "cbaab709-78e4-4090-b013-3a86bfd71ead",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.18,
        "w": 0.85,
        "x": 0.08,
        "y": 0.45
      },
      "kind": "list",
      "text": "Notes on slide 3 - Overview\n1) Includes collateralized state and municipal balances and excludes bank and nonbank subsidiaries.\nNotes on slide 4 - 3Q23 Underlying financial performance detail\n1) See note on non-GAAP financial measures.\n2) Legacy Core consists of Commercial, Consumer excluding Private Bank and Non-Core, and Other.\n3) At September 30, 2023, the Non-Core segment was fully funded with marginal high-cost funding comprised of FHLB, collateralized auto debt, and brokered certificates of deposit.\n4) See general note a).",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "6f8cb583-5a80-4986-b95a-760c02e90cef",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.85,
        "x": 0.08,
        "y": 0.8
      },
      "kind": "list",
      "text": "Notes on slide 7 - Credit performance broadly in-line with peer regional banks\n1) Peer data sourced from available company disclosures.\nNotes on slide 9 - Building a leading NY/NJ Bank\n1) Data is from April 2023 to September 2023 to align with ISBC data conversion.\nNotes on slide 10 - Capturing the Private Capital opportunity\n1) 3Q23 LTM by volume and deals.\nNotes on slide 15 - Non-GAAP financial measures and reconciliations excluding Private Bank & Non-Core\n1) Consumer Banking excludes Private Bank.\n2) Legacy Core consists of Commercial, Consumer excluding Private Bank and Non-Core, and Other.\n3) At September 30, 2023, the Non-Core segment was fully funded with marginal high-cost funding comprised of FHLB, collateralized auto debt, and brokered certificates of deposit.\n4) See general note a).",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a7a53305-e971-4515-ae52-4a6281bb8142",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.85,
        "x": 0.08,
        "y": 0.64
      },
      "kind": "list",
      "text": "Notes on slide 5 - Citizens' strong capital position relative to peers\n1) Peer data sourced from 3Q available company disclosures.\n2) Pension and DTA risk-weighted assets impact has been included for CFG\nNotes on slide 6 - Deposit beta performance to date reflects significant investments in the franchise\n1) Peer data sourced from 1Q, 2Q, and 3Q available company disclosures.\n2) Includes collateralized state and municipal balances and excludes bank and nonbank subsidiaries.\n3) Peer data sourced from Call Reports. CFG, USB, and MTB adjusted based on latest available acquisition information.",
      "attrs": null,
      "subkind": "numbered",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c8096058-8147-4988-91ca-a5926bff9320",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.85,
        "x": 0.08,
        "y": 0.15
      },
      "kind": "paragraph",
      "text": "Notes on Non-GAAP Financial Measures\nSee important information on our use of Non-GAAP Financial Measures at the beginning this presentation and reconciliations to GAAP financial measures at the end of this presentation. Non-GAAP measures are herein defined as Underlying results. Where there is a reference to Underlying results in a paragraph or table, all measures that follow these references are on the same basis, when applicable. Allowance coverage ratios for loans and leases includes the allowance for funded loans and leases in the numerator and funded loans and leases in the denominator. Allowance coverage ratios for credit losses includes the allowance for funded loans and leases and allowance for unfunded lending commitments in the numerator and funded loans and leases in the denominator.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "513acb7f-6905-4c76-bb74-881f52ef5f58",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.08,
        "x": 0.08,
        "y": 0.08
      },
      "kind": "title",
      "text": "Notes",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ce5f359a-ab3c-4ab5-9703-56da24c52d0b",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}