)
Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
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 efficiency, and achieving 15%+ ROE as a North Star for 2026 and beyond.
Guidance for 12%-15% EPS growth and high single to low double-digit loan growth under management.
Revenue growth expected in mid-single digits, with expenses growing at a low single-digit rate to restore positive operating leverage.
Commercial lending, especially CMHC-insured multi-family and reverse mortgages, are key growth drivers; single-family uninsured expected to gain momentum in H2.
Efficiency ratio targeted to improve to high 40s by late next year, with benefits visible from Q1.
Credit quality and risk management
Conservative credit reserve posture established after a detailed loan-by-loan review by new leadership.
PCL ratio expected to improve in 2026, with sequential improvement through the year.
Equipment finance portfolio shifted toward higher quality, reducing long-haul trucking exposure and improving credit stability.
No systemic issues identified in the mortgage portfolio; losses isolated to specific 2022 GTA suburb vintages.
Reserve levels increased in Q4, with further improvement anticipated in Q1.
PC Financial acquisition and integration
Acquisition of PC Financial to create an omnichannel challenger bank, expanding customer base from 800,000 to 3.5 million.
Integration with PC Optimum loyalty program and presence in 2,500 stores, including 180 device pavilions, to drive brand relevance and cross-sell opportunities.
Conservative synergy assumptions of CAD 30 million in cost savings; deal expected to exceed 15% ROE hurdle.
Cross-sell potential includes deposit products, mortgages, wealth offerings, and insurance, leveraging both customer bases.
Physical presence to be expanded judiciously, focusing on advice centers and ATMs in high-traffic locations.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next EQB earnings date
Q1 202625 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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
)
)
Frequently asked questions
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.
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