3Q 2020 Investor Presentation

CFG Spotlight: Issuance-driven Revenue Growth Issuance by Line of Business CFG Issuance Volume and Transaction Revenue ($ Billions) 85% 10% 12% 10% 7% 4% 7% 14% 16% 20% 14% 15% 20% 14% 18% $103 65% 37% $171 40% 41% 37% 31% 24% 34% 29% 24% 30% 25% 36% $133 25% $210 23% $170 $138 $135 $119 10% -3% $135 -7% $103 $660 $151 -12% -12% 51% $101 $114 42% 43% 46% 47% 49% $113 43% $358 $322 $264 $256 $278 $186 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 ■Corporate Finance ■Public, Proj. & Infra. Fin. ■Financial Institutions Bank Loans High Yield Bonds ■Structured Finance Investment Grade Bonds CFG Y/Y Issuance Growth CFG Transaction Revenue Y/Y Growth % Note: MIS rated issuance. MOODY'S 3Q 2020 Investor Presentation - November 11, 2020 19

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