)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
Citizens Financial Group (CFG) investor relations material
Citizens Financial Group Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary8 Sep, 2025
Strategic transformation and growth
Transitioned from a transaction-based to an advice-based, digitally enabled consumer bank, focusing on affluent segments and expanding in the New York Metro region, now the fastest-growing area with strong deposit and household growth.
Scaled up the commercial bank, expanded industry expertise, and targeted middle-market and mid-corporate clients, with capital markets activity expected to increase as conditions improve.
Built a high-end wealth business, attracting talent from First Republic and exceeding targets in deposits, loans, and AUM, with strong cultural integration and service improvements.
Financial performance and outlook
ROTCE is expected to rise from 11% to 16%-18% in the medium term, driven by time-based benefits, scaling private banking, commercial investments, and improved credit quality.
Confident in achieving NIM of 3.25%-3.50% by 2027, supported by hedging strategies and disciplined deposit management.
NII and fee income are projected to grow through 2026-2027, with capital markets, wealth, and payments as key drivers.
Expense growth is managed prudently, with investments in private banking and efficiency initiatives like Reimagine the Bank supporting positive operating leverage.
Innovation and transformation initiatives
Launched the multi-year Reimagine the Bank program, leveraging AI to re-architect technology, improve customer experience, and drive efficiency, aiming for self-funded investments and strong payback.
New CFO with deep transformation experience joins to help oversee and drive the initiative.
Reimagine the Bank: What's its ROTCE upside?
Dividend increase timing?
What M&A criteria would justify a deal now?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Citizens Financial Group earnings date
Q3 202515 Oct, 2025
Next Citizens Financial Group earnings date
Q3 202515 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
)
Edge19 Sep 2025
American Express: An Empire of Plastic
How history, brand, and structure have steadily built American Express' moat, and why Warren Buffett still calls it a one-of-a-kind business.
Frequently asked questions
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage