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Investor Relations14 Oct 2025
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Zions Bancorporation (ZION) investor relations material
Zions Bancorporation 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 summary10 Sep, 2025
Macroeconomic and regional outlook
Businesses remain cautious amid elevated inflation, higher rates, and tariff uncertainty, though no major downturn has materialized yet.
Input price pressures are expected to increase as supply chain effects work through, but most are still waiting for significant impact.
Regional economies like Texas and Utah are strong, while Las Vegas faces challenges from reduced foreign tourism.
Lending, deposits, and net interest margin
Small business lending is being promoted, but overall loan demand remains subdued due to cautious borrower sentiment.
Deposit pricing will adjust quickly to anticipated Federal Reserve rate cuts, with minimal expected impact from a 25 basis point move.
Net interest margin has expanded for six consecutive quarters, with expectations to reach 3.5% by late 2025 or early 2026.
Income growth and business initiatives
Capital markets revenue has more than doubled since 2020, with new initiatives in commodity hedging and middle-market advisory services.
Wealth management is targeting both small business owners and higher-end clients, with growth expected as rates decline.
Mortgage banking is shifting to an originate-to-sell model, anticipating income growth as term rates fall.
Explain NIM expansion despite Fed cuts
Detail M&A strategy and MOE aversion
Clarify credit quality indicators
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Next Zions Bancorporation earnings date
Q3 202520 Oct, 2025
Next Zions Bancorporation earnings date
Q3 202520 Oct, 2025
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Eferix Drawings Google Play
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Frequently asked questions
Regional Southwestern Bank
Zions Bancorporation, headquartered in Salt Lake City, Utah, is a financial services company that provides a wide range of banking and related services. The company operates through a network of local banks and business lines and its services encompass commercial and retail banking, mortgage lending, and wealth management, catering to a diverse clientele that includes individuals, small and mid-sized businesses, and corporations. It is headquartered in Salt Lake City, Utah, and its shares are listed on the Nasdaq.
The Connection to the Church of LDS
The company’s history is closely intertwined with the development of the Church of Jesus Christ of Latter-day Saints (LDS Church) and the broader history of the state of Utah. Its original entity, Zions Savings Bank and Trust Company, was founded by Brigham Young, the second president of the LDS Church, in 1873: The bank was integral to the economic development of Utah and the surrounding region, offering financial services essential to a growing population. The church divested its interest in 1960, and today the bank operates as a secular and separate entity.
A Regional Focus
Zions has a strong regional focus in the Western United States. The company knows the area incredibly well and has tailored its services to ensure a good fit with local economies, cultures, and business environments. This regional specialization allows Zions to offer personalized banking and financial solutions to its customers, ranging from individual account holders to businesses of various sizes. This regional focus is similar to what can be seen with other banks such as Comerica, Fifth Third Bancorp, M&T Bank, and several others.
The Services on Offer
The company offers a wide array of banking and financial services. These services include personal banking solutions such as checking and savings accounts, credit and debit cards, and personal loans. For businesses, Zions offers commercial lending, treasury management, and international banking services, supporting businesses in their growth and global trade endeavors. Additionally, Zions provides wealth management and investment services, as well as mortgages and lending.
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