Citizens Financial Group

-7.11%

1. Regulatory Risk: Citizens Financial is subject to a variety of laws and regulations that can affect its operations. Changes in laws, regulations, or interpretations of them could have a material adverse effect on the company.

2. Legal Risk: In recent years, Citizens Financial has been subject to legal proceedings in which it has faced various claims from customers in connection with its activities. These proceedings can be lengthy and expensive and may materially affect the company’s financial performance.

3. Market Risk: The banking sector can be volatile and subject to large swings in investor trends and economic conditions. This can have an adverse impact on Citizens Financial’s stock price.

4. Credit Risk: As a financial institution, Citizens Financial is exposed to credit risk, including the risk that customers or counterparties may default on loans or investments. Such defaults can have an adverse impact on the company’s profits and cash flows.

5. Interest Rate Risk: Changes in interest rates can impact the amount of interest Citizens Financial earns on its investments and the level of interest income that it can attract from customers on certain products. If interest rates decrease, the company’s profits and cash flows could be materially impacted.