<SEC-DOCUMENT>0000759944-25-000112.txt : 20250808
<SEC-HEADER>0000759944-25-000112.hdr.sgml : 20250808
<ACCEPTANCE-DATETIME>20250808160511
ACCESSION NUMBER:		0000759944-25-000112
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250808
DATE AS OF CHANGE:		20250808
EFFECTIVENESS DATE:		20250808

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05954
		FILM NUMBER:		251198333

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		2039006715

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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      <periodOfReport>06-30-2025</periodOfReport>
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      <reportCalendarOrQuarter>06-30-2025</reportCalendarOrQuarter>
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      <filingManager>
        <name>CITIZENS FINANCIAL GROUP INC/RI</name>
        <address>
          <com:street1>1 CITIZENS PLAZA</com:street1>
          <com:city>PROVIDENCE</com:city>
          <com:stateOrCountry>RI</com:stateOrCountry>
          <com:zipCode>02903</com:zipCode>
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          <name>Clarfeld Financial Advisors, LLC, </name>
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    <signatureBlock>
      <name>David P. Russell</name>
      <title>Senior Vice President</title>
      <phone>203-900-6844</phone>
      <signature>/s/ David P. Russell</signature>
      <city>Stamford</city>
      <stateOrCountry>CT</stateOrCountry>
      <signatureDate>08-08-2025</signatureDate>
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<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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INT-FINL</titleOfClass><cusip>81369Y605</cusip><value>21294834</value><shrsOrPrnAmt><sshPrnamt>406623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>406623</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>6807593</value><shrsOrPrnAmt><sshPrnamt>164355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>164355</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>2570401</value><shrsOrPrnAmt><sshPrnamt>31745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>31745</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>34722087</value><shrsOrPrnAmt><sshPrnamt>137117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>137117</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>2358451</value><shrsOrPrnAmt><sshPrnamt>17497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17497</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>1722514</value><shrsOrPrnAmt><sshPrnamt>21094</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>21094</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>1283079</value><shrsOrPrnAmt><sshPrnamt>5904</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5904</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-INDS</titleOfClass><cusip>81369Y704</cusip><value>1078294</value><shrsOrPrnAmt><sshPrnamt>7309</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>7309</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>COMMUNICATION</titleOfClass><cusip>81369Y852</cusip><value>502209</value><shrsOrPrnAmt><sshPrnamt>4627</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4627</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>452095</value><shrsOrPrnAmt><sshPrnamt>5149</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5149</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>1690361</value><shrsOrPrnAmt><sshPrnamt>19931</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>19931</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81684M104</cusip><value>503620</value><shrsOrPrnAmt><sshPrnamt>13000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>13000</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMPRA ENERGY</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>2374294</value><shrsOrPrnAmt><sshPrnamt>31336</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>31336</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>5250225</value><shrsOrPrnAmt><sshPrnamt>5107</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5107</Sole><Shared>0</Shared><None>5107</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>6412711</value><shrsOrPrnAmt><sshPrnamt>6238</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6238</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>675732</value><shrsOrPrnAmt><sshPrnamt>1968</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>1968</Sole><Shared>0</Shared><None>1968</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>1000770</value><shrsOrPrnAmt><sshPrnamt>2915</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2915</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHOPIFY INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>82509L107</cusip><value>4808381</value><shrsOrPrnAmt><sshPrnamt>41685</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>41685</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SMURFIT WESTROCK 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