Citizens Bank is an international commercial bank headquartered in Providence, Rhode Island. The bank offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle‐market companies, large corporations, and institutions. The lending portfolio of the bank includes personal loans, home equity lines of credit, letters of credit, real estate loans, small business administration (SBA) loans, and mortgages. Other important segments of the bank include wealth management, treasury management, asset-based financing, equipment financing, and leasing services. Citizens Bank is a part of the Citizens Financial Group which was acquired by The Royal Bank of Scotland Group in 1988.