Citizens Financial Group, Inc. · NYSE:CFG
Citizens Financial — Deutsche Bank Global Financial Services Conference 2018
18 slides from Citizens Financial's conference presentation, May 29, 2018
Slide 1: Deutsche Bank Global Financial Services Conference
Deutsche Bank Global Financial Services Conference May 29, 2018 Don McCree Vice Chairman, Head of Commercial Banking
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. Statements regarding potential future share repurchases and future dividends are forward-lookin
Slide 3: Solid franchise with leading positions in attractive markets
Solid franchise with leading positions in attractive markets Franchise highlights Top 5 deposit market share in 9 of our 10 largest MSAs(1) #2 deposit market share in New England(2) Top-5 rank HELOC in 9/9 markets(3) CFG corporate headquarters Top-4 rank in Education(4) Providence, RI CFG br
Slide 4: Business Overview
Business Overview Consumer Commercial In Footprint National Loans and Leases Retail Deposit Services $111.4 billion(2) Coverage Mobile/Online Banking Commercial & Industrial Banking Mortgage(1) Commercial Real Estate 55% Home Equity Loans/Lines 45% Corporate Verticals Wealth Manageme
Slide 5: Key Messages – Commercial Banking
Key Messages – Commercial Banking Commercial Banking is well-positioned for continued growth and improving returns Continue our augment our trusted advisor status by broadening our capabilities, strengthening execution & service excellence Substantial progress towards enhancing the core franch
Slide 6: Commercial Banking – Solid track record of delivering growth
Commercial Banking – Solid track record of delivering growth Results reflect continued investment in talent, enhanced products & advisory capabilities $ billions Strong loan growth(1) CAGR $48.4 ~8%+ $41.4 $45.8 Recognition 96% Relationship Manager Satisfaction(2) 2015 2016 2017 Commercial Real Esta
Slide 7: Building out strong coverage model and extending expertise
Building out strong coverage model and extending expertise Enhanced Coverage Solution Sets Client Experience Uptiering Talent, Upgrading & Augmenting Innovating for Efficiency & Expanding Geographies Product Suite Enhanced Delivery & Tools Rollout of regionally Delivering new cash- Implemented
Slide 8: Continued growth opportunities in Global and Capital Markets
Continued growth opportunities in Global and Capital Markets $ millions Committed to driving value for clients with excellent capabilities Capital & Global Markets fee income(1) Continued strong success in loan syndications ─ Top ten or better league table status(4) $289 $224 ─ ~30%+ in Lead/Joint
Slide 9: Treasury Solutions & Deposits
Treasury Solutions & Deposits Enhanced focus on digital experience, product upgrades, sales effectiveness & client service Treasury Solutions Commercial Banking fees(1) Treasury Solutions (“TS”) $ millions Deliver continued industry outperformance with greater penetration of existing client base &
Slide 10: Commercial Banking initiatives help drive enterprise performance
Commercial Banking initiatives help drive enterprise performance Tapping Our Potential (“TOP”) Revenue initiatives Efficiency initiatives Expanding into growth markets Organization simplification Build-out fee income & broader capabilities: Lean/process improvement M&A advisory, commercial
Slide 11: Building an ecosystem of FinTech partnerships to accelerate our path to market
Building an ecosystem of FinTech partnerships to accelerate our path to market Innovative B2B networking platform connecting prospective business partners Enables a more connected corporate banking experience Facilitates growth & better client experiences by providing smart solutions Launched
Slide 12: Core commercial portfolio overview
Core commercial portfolio overview Highlights 4Q17 $51.2 billion core commercial portfolio Asset quality relatively stable and credit performance by Industry Sector(1) has returned to pre-crisis levels Arts, Entertainment, and Recreation All Others (3) Overall credit risk is moderate and compare
Slide 13: Commercial Banking – Solid track record of delivering enhanced returns & efficiency
Commercial Banking – Solid track record of delivering enhanced returns & efficiency ROTCE improvement(1) Return on average tangible assets(1) 13.7% 12.4% 12.4% 1.6% 1.4% 1.3% 2015 2016 2017 2015 2016 2017 Return on avg tangible common equity $ millions Commercial Banking net income & efficiency rati
Slide 14: Key messages – Citizens Bank
Key messages – Citizens Bank Commercial Banking has been a strong contributor to overall CFG growth & profitability Solid franchise with leading positions in attractive markets Achieved IPO-based objectives & elevated our targets Citizens’ results highlight disciplined execution & continued
Slide 15: Appendix
Appendix 3% Citizens Financial Group, Inc.” 15
Slide 16: Commercial Real Estate line of business overview
Commercial Real Estate line of business overview Highlights 4Q17 $10.5 billion Commercial Real Estate Line of Business(1) Continued progress in uptiering portfolio to by Facility Type by Property Type larger, more well-capitalized institutional Other CRE collateral Hospitality and upper middle mar
Slide 17: Key performance metrics, Non-GAAP financial measures and reconciliations
Key performance metrics, Non-GAAP financial measures and reconciliations $s in millions, except ratio data 17
Slide 18: Citizens Financial Group, Inc.
3< Citizens Financial Group, Inc.”
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