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Comerica (CMA) investor relations material
Comerica 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 summary9 Sep, 2025
Strategic Priorities, Market Positioning, and Presence
Operates in 13 of the 15 largest and 7 of the 10 fastest-growing U.S. metropolitan areas, supporting growth and diversification.
Focuses on protecting and growing shareholder value through a strong franchise in high-growth markets and a solid non-interest-bearing deposit base.
Strategic initiatives target responsible loan growth, investments in core relationship banking, and expansion in middle market, business banking, payments, capital markets, and wealth management.
National and specialty businesses, comprising 11 lines, drive growth through tailored solutions and market-leading positions in sectors like entertainment and environmental services.
Diversified business model spans Commercial, Wealth Management, Retail, and National/Specialty businesses.
Revenue, Business Line Investments, and Financial Performance
Targeted investments in Middle Market, Business Banking, and Small Business aim for GDP+ growth through specialized products and training.
Payments and deposits modernization is enhancing fee income and funding position.
Loan pipelines remain strong, with growth in Environmental Services and Middle Market Banking offsetting declines in other segments.
Average deposits increased by $1.4B quarter-to-date, with the noninterest-bearing mix at 36.5%.
Net interest income is expected to benefit from swap and securities portfolio maturities, projecting higher yields and lower notional balances.
Financial Outlook and Capital Management
Outlook for Q3 and full year remains consistent with July guidance, with no material changes expected; rate cuts have been partially factored in.
Capital position remains robust, with CET1 at 12.05% and ongoing share repurchases.
Five-year goals include 6-8% loan CAGR in Middle Market & Business Banking and 5-7% average deposit CAGR (excluding Direct Express).
Net interest income (NII) is expected to decline slightly in Q3 due to one-time events but should resume an upward trajectory in Q4 and beyond, supported by loan and deposit growth.
Non-interest-bearing deposits are a key variable for 2026, with optimism for growth as economic conditions improve.
What makes National & Specialty businesses unique?
Key drivers for NII growth beyond Q3?
Expense rationalization plans for 2026?
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Q3 202517 Oct, 2025
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Frequently asked questions
Holding Company for Regional Banks
Comerica Inc. is an American financial services company and is the parent company of Comerica Bank, which in turn operates over 400 regional branches across the US and select international locations. Comerica offers personal banking, business financing, wealth management, and online services, with an emphasis on providing personal service and expertise for its customers. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
Born in Detroit, Based in Dallas
Comerica Incorporated traces its roots back to 1849 when it was founded in Detroit as the Detroit Savings Fund Institute. Throughout the years it has seen it change names and expand its service services. The company adopted the name Comerica in 1982 to better reflect its expansion outside of Michigan. Throughout the 20th century, Comerica grew organically as well as by merging with other banks, steadily expanding its footprint. The bank strategically relocated its headquarters to Dallas, Texas, in 2007, to position itself at the heart of a robust financial market and closer to its growing customer base across the Sun Belt. Despite the move, the company has maintained a significant presence in Detroit and has the naming rights to the Tigers’ home field, which is called Comerica Park.
The Services
Its offerings include personal banking services with a variety of checking and savings account options, as well as personal loans and mortgages. For business clients, Comerica provides commercial loans, lines of credit, and cash management services, catering to small businesses and large corporations alike. The company also specializes in wealth management, offering investment advice, asset management, and estate planning to help clients grow and protect their wealth. In addition to these services, Comerica offers digital banking platforms for its customers.
A Regional Bank
Comerica Incorporated positions itself as a regional bank, with a strategic concentration in states like Texas, California, and Michigan, as well as in Arizona and Florida. Comerica Incorporated maintains a regional banking model, with a strategic emphasis on specific high-growth markets, including Texas, California, Michigan, Arizona, and Florida. This targeted approach allows the bank to concentrate its resources and expertise in areas where it can deeply understand and efficiently serve the unique needs of local businesses and consumers. By doing so, Comerica can provide a level of service and attention that might be more challenging for larger, nationwide banks, and allows them to compete with giants such as Wells Fargo, Citigroup, Bank of America, and other similar companies.
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