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UNITED STATES SECURITIES AND EXCHANGE COMMISSIONWashington, D.C. 20549FORM 13F FORM 13F COVER PAGE 09-30-2025 Report for the Calendar Year or Quarter Ended: Amendment Number:is a restatement.adds new holdings entries. Check here if Amendment This Amendment (Check only one.): Institutional Investment Manager Filing this Report: CITIZENS FINANCIAL GROUP INC/RI1 CITIZENS PLAZAPROVIDENCE,RI02903028-05954 Name:Address: Form 13F File Number:CRD Number (if applicable):SEC File Number (if applicable): The institutional investment manager filing this report and the person by whom it is signed hereby represent thatthe person signing the report is authorized to submit it, that all information contained herein is true, correct andcomplete, and that it is understood that all required items, statements, schedules, lists, and tables, are consideredintegral parts of this form. Person Signing this Report on Behalf of Reporting Manager:David P. Russell Signature, Place, and Date of Signing: /s/ David P. Russell Report Type (Check only one.): 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reportingmanager(s).)X13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in thisreport and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: Report Summary: Number of Other IncludedManagers:2Form 13F Information Table EntryTotal:1,007Form 13F Information Table ValueTotal:7,300,615,203(round tonearestdollar) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F filenumber(s) of all institutional investment managers withrespect to which this report is filed, other than the managerfiling this report. [If there are no entries in this list, state “NONE” and omitthe column headings and list entries.]