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EQB (EQB) investor relations material
EQB RBC Capital Markets Canadian Bank CEO Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.RBC Capital Markets Canadian Bank CEO Conference summary6 Jan, 2026
Strategic priorities and growth outlook
Focus on reigniting the core franchise, optimizing capabilities, and completing the challenger bank's potential, including the PC Financial acquisition.
Targeting high single to low double-digit growth in loans under management and mid-single-digit revenue growth for 2026.
Committed to returning to 15%+ ROE and improving efficiency to below 50%, with expense growth kept in line with revenue.
Expecting 12%-15% EPS growth and ROE of 12%+ in 2026, with further growth beyond.
Operating leverage is a paramount priority, with expenses managed tightly to support earnings growth.
Revenue, expenses, and efficiency
Revenue growth will be driven by core lending, especially in CMHC-insured multi-family, reverse mortgages, and single-family uninsured segments.
Net interest margin expected to remain stable around 2.01%, with non-interest revenue supported by insured multi lending.
Efficiency ratio aims to improve from 54% to the high 40s by late next year, with further gains expected as integration progresses.
Cost synergies from the PC Financial deal estimated at CAD 30 million, with further upside from cross-sell and funding efficiency.
Expense control is emphasized, with a CAD 45 million improvement expected in 2026.
Credit quality and risk management
Credit reserves have been reviewed loan by loan, with a conservative posture and strong coverage ratios.
PCL ratio expected to improve in 2026, with sequential improvement through the year.
Equipment finance business has shifted to higher quality, more prime lending, reducing its share of PCL and improving stability.
No systemic issues identified in the mortgage portfolio; losses remain isolated to specific 2022 GTA suburb vintages.
The bank maintains one of the lowest PCL ratios among peers and is prepared for a more stressed environment if needed.
How to unlock PCF cross-sell and funding upside?
Combined efficiency ratio aim post-PCF deal?
Future of equipment finance given credit volatility?
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Q1 202625 Feb, 2026
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EQB Inc is a Canadian financial services company operating through Equitable Bank. The company offers residential and commercial lending, savings products, and digital banking services, including a fully digital banking platform. It serves individuals, businesses, and mortgage brokers across Canada. EQB Inc is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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