Citizens Financial Group, Inc. · NYSE:CFG
Citizens Financial — BancAnalysts Association of Boston Conference 2017
8 slides from Citizens Financial's conference presentation, Nov 3, 2017
Slide 1: BancAnalysts Association of Boston Conference
BancAnalysts Association of Boston Conference John F. Woods Chief Financial Officer Brad Conner Vice Chairman, Head of Consumer Banking Don McCree Vice Chairman, Head of Commercial Banking November 3, 2017 Exhibit 99.1
Slide 2: Forward-looking statements and use of key performance metrics and Non-GAAP financial measures
Forward-looking statements and use of key performance metrics and Non-GAAP financial measures This document contains forward-looking statements within the Private Securities Litigation Reform Act of 1995. Any statement that does not describe historical or current facts is a forward-looking statement
Slide 3: Further opportunities to improve returns: Balance Sheet Optimization
Further opportunities to improve returns Balance Sheet Optimization (“BSO”) Since 3Q13, delivered ~580 basis points of improvement in ROTCE to 10.1%(1) Improve risk-adjusted returns and NIM while driving growth Enterprise-wide initiative with the same intensity and rigor as our TOP efficiency progra
Slide 4: Fee Income
Further opportunities to improve returns Fee Income Wealth Investments in FCs and sales, technology platforms and products with shift toward managed money SpeciFi™ robo-advisor product Business Banking Fundation FinTech partnership to automate small business underwriting Mortgage Remix toward direct
Slide 5: Continuous Improvement
Further opportunities to improve returns Continuous Improvement Self-fund investments through efficiency, expense discipline and mindset of continuous improvement Use new technologies to deliver more effective outcomes at lower costs TOP IV program targeting run-rate pre-tax benefit of ~$95 - $110 m
Slide 6: Appendix
Appendix 3% Citizens Fanci Grup re
Slide 7: Key performance metrics, Non-GAAP financial measures and reconciliations
Key performance metrics, Non-GAAP financial measures and reconciliations $s in millions, except share, per share and ratio data KEY PERFORMANCE METRICS, NON-GAAP FINANCIAL MEASURES AND RECONCILIATIONS (CONTINUED) (in millions, except share, per-share and ratio data) FOR THE THREE MONTHS ENDED SEP. 3
Slide 8: Citizens Financial Group, Inc.
3* Citizens Financial Group, Inc.”
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