Citizens Financial Group, Inc. · NYSE:CFG
Citizens Financial — Deutsche Bank Global Financial Services Conference 2020
15 slides from Citizens Financial's conference presentation, May 26, 2020
Slide 1: Deutsche Bank Global Financial Services Conference
Deutsche Bank Global Financial Services Conference May 26, 2020 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 Forward-Looking Statements. This document contains forward-looking statements within the meaning of Private Securities Litigation Reform Act of 1995. Statements regarding potential future share repurchases
Slide 3: Key messages
Key messages Serving and advising clients through COVID-19 crisis with broadened capabilities, superior idea generation and execution, and service excellence ─ Opportunities to help clients manage their funding and liquidity needs ─ Line draws of $7.2 billion funded in 1Q20, down ~10% - 15% through
Slide 4: Market observations and opportunities
Market observations and opportunities Helping clients manage their funding and liquidity needs in a challenging environment Near-term fee opportunities muted by impact of COVID-19 on market levels Well positioned to take advantage of turnaround; substantial corporate finance and M&A advisory capabil
Slide 5: Supporting clients impacted by COVID-19
Supporting clients impacted by COVID-19 Actively engaging with clients to provide assistance while prudently managing risk Highlights Commercial Banking utilization Line draws of $7.2 billion funded in 1Q20 ─ Usage highest in industries most impacted 50% 48% by COVID-19 37% ─ ~60% investment-grade c
Slide 6: Diversified portfolio with prudent credit discipline
Diversified portfolio with prudent credit discipline $s in billions % of Total Highlights Industry sectors 1Q20 CFG Overall Real Estate and Rental and Leasing $ 13.8 11 % Highly granular and diversified portfolio in terms of geography, Retail and hospitality 2.5 2 industry and asset class Finance an
Slide 7: Building a stronger and more diversified business model
Building a stronger and more diversified business model Enhanced coverage model, expanded geographic reach & solution sets, strengthening fee income with integrated approach Enhanced coverage ~50% Delivering strong client acquisition and model & expansion prudent loan growth Net new clients strategy
Slide 8: Commercial Banking initiatives help drive enterprise performance
Commercial Banking initiatives help drive enterprise performance Positioning for further growth with TOP 6 Program & other revenue initiatives Broadening advisory capabilities via organic Continued expansion into growth markets investments and selective acquisitions Integrating digital offerings for
Slide 9: Looking forward
Looking forward Managing through the current environment while building a strong franchise Commercial Banking is well-positioned for continued growth and improving returns Addressing modification requests and monitoring clients closely Continuing prudent and disciplined portfolio management Diversif
Slide 10: Appendix
Appendix 3* Citizens Financial Group, Inc.” 10
Slide 11: Continuing to grow relationships in Global and Capital Markets
Continuing to grow relationships in Global and Capital Markets $s in millions Continued progress in diversifying fee income Lead relationship growth(1) Highlights 210 206 192 Record fee income in 2019, Capital and Global Markets up 96% from 2015 149 122 48% 54% 48% ─ Strong underlying performance in
Slide 12: Enhancing Treasury Solutions capabilities
Enhancing Treasury Solutions capabilities $s in millions Enhanced focus on digital experience, product upgrades, sales effectiveness & client service Treasury Solutions Commercial Banking fees(1) Highlights Investments continue to drive $140 $140 momentum $128 $135 $115 CAGR ─ Completed re-platformi
Slide 13: Continued prudent credit discipline and portfolio management
Continued prudent credit discipline and portfolio management $s in billions Highlights Disciplined capital allocation and risk appetite − Highly granular and diversified portfolio in terms Granular/diverse core commercial portfolio; of geography, industry and asset class bond equivalent risk-ratings
Slide 14: Notes
Notes Notes on Key Performance Metrics and Non-GAAP Financial Measures See important information on Key Performance Metrics and Non-GAAP Financial Measures, as applicable, at the beginning of this presentation for an explanation of our use of these metrics and non-GAAP financial measures and their r
Slide 15: Citizens Financial Group, Inc.
3* Citizens Financial Group, Inc.”
Citizens Financial Group — Deutsche Bank Global Financial Services Conference 2020 on 6ix