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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Citizens Financial Group (CFG) investor relations material
Citizens Financial Group The BancAnalysts Association of Boston Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.The BancAnalysts Association of Boston Conference summary6 Nov, 2025
Consumer banking transformation
Shifted from a large thrift to a relationship-based, profitable institution over 10 years, improving segment returns from mid-high teens to mid-high 20s, targeting 30s.
Reduced branches from 1,400 to 1,000, reinvesting savings into technology and innovation, including partnerships like Apple for Buy Now Pay Later.
Improved deposit quality, moving from bottom to top third in the industry for net deposit costs among top 25 U.S. banks.
Rotated lending to higher-yield, relationship-based products like HELOCs and credit cards, exiting non-core loans.
Focused on cross-product connections and a healthier deposit franchise to drive durable, higher valuation revenue.
Private banking and wealth management growth
Hired 150+ former First Republic bankers, now over 500, exceeding deposit and earnings accretion targets.
Private bank now 7% EPS accretive, with business returns between 20%-25% and a 60% loan-to-deposit ratio.
Attracting top U.S. wealth advisors, with strong client migration and robust talent pipeline.
Wealth management fees nearly doubled since 2020, with significant growth in both retail and private wealth segments.
Strong referral culture between banking and wealth teams, driving fee income and customer acquisition.
New York Metro expansion
Acquired HSBC and Investors Bank, growing to 200 branches in Metro New York and Northern New Jersey.
Improved branch performance, with HSBC branches now nearly matching legacy branch size.
Achieved high single-digit deposit growth and mid-single-digit customer growth in the region.
Gaining market share against both large and small banks, making New York the fastest-growing market for two years.
What sustains Private Bank's 20%+ ROE?
Reimagine the Bank: net expense impact in 2026
How does Citizens manage K-shaped economy risk?
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Next Citizens Financial Group earnings date
Q4 202521 Jan, 2026
Next Citizens Financial Group earnings date
Q4 202521 Jan, 2026
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Citizens Financial Group operates as a bank holding company that provides retail and commercial banking products and services. The firm serves individuals, small businesses, middle-market companies, corporations, and institutions in the United States.
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