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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.
Webster Financial (WBS) investor relations material
Webster Financial Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary10 Dec, 2025
Business overview and competitive positioning
Operates an $83 billion bank with a Northeast footprint and national businesses in lending and deposits.
Competitive advantage stems from a diversified funding base, including $10 billion in low-cost, long-duration deposits.
Healthcare Financial Services, including HSA Bank and Ametros, provide significant low-cost deposits and fee income.
Focus on cross-selling traditional banking products to 3.5 million HSA account holders.
2025 performance and financial highlights
Delivered on financial performance targets despite a volatile environment.
Achieved above-market loan and deposit growth, with robust loan growth expected to reach 7% for the year.
Credit metrics remain in line with peers, with stabilization after challenges in office and healthcare portfolios.
Continued investment in technology and organizational resiliency.
Net interest margin (NIM) and balance sheet management
NIM faces pressure from seasonal outflows, new debt issuance, and higher-cost funding sources.
Loan growth outpaces market, funded by higher-cost deposits, impacting NIM.
Shifted to a more neutral interest rate position through balance sheet restructuring and swaps.
How will Category 4 changes impact 2026 expenses?
How to address perceived credit sensitivity?
When will private credit partnership impact financials?
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Next Webster Financial earnings date
Q4 202523 Jan, 2026
Next Webster Financial earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Webster Financial Corporation is a bank holding company that operates through its principal subsidiary, Webster Bank. The company provides consumer and commercial banking, health savings accounts, mortgage services, and wealth management. It serves individuals, businesses, and institutions across the northeastern United States. Webster Financial Corporation is headquartered in Stamford, Connecticut, and its shares are listed on the NYSE.
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