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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.
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.
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