U.s. Bancorp · NYSE:USB
U.s. Bancorp — RBC Capital Markets Financial Institutions Conference 2018
20 slides from U.s. Bancorp's conference presentation, Mar 6, 2018
Slide 1: RBC Capital Markets Financial Institutions Conference 2018
RBC Capital Markets Financial Institutions Conference 2018 March 6, 2018 Terry Dolan Vice Chairman, Chief Financial Officer Jeff von Gillern Vice Chairman, Technology and Operations Services Exhibit 99.1
Slide 2: Forward-looking statements
The following information appears in accordance with the Private Securities Litigation Reform Act of 1995: Today’s presentation contains forward-looking statements about U.S. Bancorp. Statements that are not historical or current facts, including statements about beliefs and expectations, are forwar
Slide 3: U.S. Bancorp Overview
U.S. Bancorp Overview As of 12/31/17, except market value as of 3/1/18 NYSE TradedUSB Founded 1863 Market Value $87B Assets $462B Deposits $347B Loans $280B
Slide 4: Our Businesses
Our Businesses Payment Services 30% Wealth Management & Investment Services 13% Corporate & Commercial Banking 17% Consumer & Business Banking 40% Consumer & Business Banking: Branch banking, small business banking, consumer lending, mortgage banking and omnichannel delivery Payment Services: Retail
Slide 5: Our Key Priorities
Our Key Priorities Delivering One U.S. Bank 2) Leveraging technology and innovation to drive growth and efficiency 3) A relentless focus on optimization one U.S. Bank
Slide 6: Our Approach to Technology
Our Approach to Technology We leverage technology to… Improve returns Drive revenue Increase efficiency Minimize risk and loss … and we employ technology defensively and offensively.
Slide 7: Defense
Defense Defense minimizes risk and loss. Cybersecurity Fraud Risk and Compliance We take defensive technology a step further, strategically leveraging our investments in these areas to play offense as well.
Slide 8: Defense: Bringing It to Life
Defense: Bringing It to Life Our AML investments enable sophisticated tracking and analysis of customer behavior. Monitoring in excess of 1 billion transactions per month Enterprise Landing Zone deployed using Hadoop big data technology Real-time risk scoring of customers Monitoring over 96 million
Slide 9: Offense
Offense Offense drives revenue and efficiency. Three key components of our offense work together to: Streamline processes Enhance products Improve the customer experience Deepen customer relationships Attract new customers Emerging technology Core technology Enabling technology Emerging technology
Slide 10: Core Technology
Core Technology Core technology keeps the lights on, drives efficiency and promotes agility. Our architecture enables us to implement changes and advance our technology with greater speed and efficiency. Data centers Automation Cloud computing Test Build Design Review Plan Launch Sprint 1 Test Build
Slide 11: Core Technology: Bringing It to Life
Core Technology: Bringing It to Life We are modernizing our core platforms with APIs and progressive internal and external cloud enablement to: Accelerate access to data Meet business demands with speed and interoperability Scale capacity rapidly Agile/ DevOps Source | Build | Test | Production APIs
Slide 12: Enabling Technology
Enabling Technology Enabling technology provides ready access to data with speed, control and security. Technology enables us to put data to work, delivering insights and intelligence that turn customer interactions and financial transactions into information-rich opportunities. Data analytics Machi
Slide 13: Enabling Technology: Bringing It to Life
Enabling Technology: Bringing It to Life Our AML ecosystem is rich with data. Customer Relationship Management Customer Information System Risk Mgmt and Compliance Customer View Analytics Customer Due Diligence Suspicious Activity Monitoring Risk Case Mgmt Compliance ID Targeted Transaction Monitori
Slide 14: Emerging Technology
Emerging Technology Emerging technology allows us to seamlessly deliver the whole bank to our customers, serving them when, where and how they desire. Distributed ledger Artificial intelligence Fintech engagement We focus on bringing the most effective emerging technology to our customers, removing
Slide 15: Emerging Technology: Bringing It to Life
Emerging Technology: Bringing It to Life We layer artificial intelligence and customer analytics to drive intelligent insights and predict the next best offer, service or introduction. We partner with Fintechs to remove friction and deliver an unparalleled customer experience. 72% increase in lead c
Slide 16: We Are Building On Our Legacy of Innovation
We Are Building On Our Legacy of Innovation We lead in the things that matter. First to participate in real-time B2B payments Among the first to participate in real-time consumer P2P payments Among the first to introduce mobile deposit capture Patented real-time rewards
Slide 17: Accelerating Investment in Technology
Accelerating Investment in Technology Key areas of focus: Payments Integrated payments E-commerce Digital / Mobile B2B
Slide 18: 1Q18 Guidance
1Q18 Guidance Net interest income Noninterest income Noninterest expense Credit quality Tax rate
Slide 19: Appendix
Appendix
Slide 20: Non-GAAP Financial Measures
Non-GAAP Financial Measures
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