Citizens Financial Group

CEO Bruce Van Saun and CFO John Woods have steered the franchise through the post‑pandemic and 2023 regional bank challenges with a steady focus on capital, funding, and simplification. Execution is visible in NIM stabilization, Private Bank growth, and de‑risking actions.

Communication around AOCI impacts and office CRE reserves has been transparent, and targets for medium‑term ROTCE are reasonably ambitious. On the other hand, retail customer‑experience issues (notably a bill‑pay platform change and some service frictions) highlight operational complexities still being worked through.

Overall, competent owner‑like behavior, but not a founder‑led compounding culture.