Citizens Financial provides medium-term financial targets

ROTCE of ~16%-18%; CET1 ratio ~10%-10.5%; Dividend payout ratio ~35%-40%; Efficiency ratio mid-50’s%. Key economic assumptions: Real GDP growth averaging ~2-2.5% annually over the medium term; Unemployment rate centered around ~4% over the medium term; Fed funds reaching terminal rate of ~3.50% by YE2027. Medium-term NIM target 3.25%-3.50%.