{
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  "docSlug": "b24f1791b15f452b",
  "documentTitle": "barclays americas select franchise conference final 5 8 24",
  "authorId": "Barclays",
  "authorName": "Citizens Financial Group",
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  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "equity_research",
  "sourceTypeLabel": "Equity research",
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  "notes": "Data sources and dates provided in footer.",
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      "kind": "callout",
      "text": "CET1 ratio under current rules of 10.6%, and 8.9% adjusted for AOCI opt-out removal; among the strongest within the peer group",
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      "text": "CET1 Ratio",
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      "kind": "disclaimer",
      "text": "Peers include CMA, FITB, HBAN, KEY, MTB, PNC, RF, TFC and USB. Peer data as of March 31, 2024 for the CET1 ratio and as of December 31, 2023 for the CET1 ratio adjusted for AOCI opt-out removal",
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      "kind": "list",
      "text": "Well positioned for changing regulatory environment\nCET1 ratio under current rules of 10.6%, and 8.9% adjusted for AOCI opt-out removal; among the strongest within the peer group\nExpect both ratios to converge to the 10.0-10.5% range over the medium term",
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      "text": "CET1 ratio: 10.6%",
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      "text": "Capital level remains near the top of the peer group",
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      "evidence": "Peer-relative ranking against named bank peers (CMA, FITB, HBAN, KEY, MTB, PNC, RF, TFC, USB)",
      "confidence": 78
    },
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      "evidence": "CFG vs Peer median framing repeats across the benchmark loop starting here",
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      "evidence": "Two parallel CET1 ratio charts side by side (current rules vs AOCI-adjusted)",
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      "evidence": "CFG bars colored bright green among grey peer bars to make CFG instantly noticeable",
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      "beatName": "Problem & Complication",
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      "evidence": "regulatory/capital pressures and deposit base composition framed as challenges",
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      "evidence": "franchise reach + peer benchmarks build credibility",
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