Access earnings results, analyst expectations, report, slides, earnings call, and transcript.

The earnings call summary presents a mixed outlook: while there are positive elements like AI deployment, wealth management growth, and strong FX trading performance, there are also concerns. Uncertainty about deposit normalization, lack of clear guidance on inorganic growth, and potential risks like interest rate changes temper optimism. The Q&A highlights strategic focus on organic growth and shareholder returns, but the lack of specific details on certain aspects and potential risks lead to a neutral sentiment overall.
The earnings call summary and Q&A indicate positive financial performance, strong shareholder returns, and strategic growth initiatives in wealth and asset management. Despite fee pressures and operational challenges, the company is focused on profitability and efficiency improvements. AI investments and a focus on tokenization signal innovation. The Q&A reveals optimism with adjusted NII guidance and strategic responses to market challenges. Overall, the company's strategic plans and shareholder return initiatives suggest a positive outlook for stock price movement.
All transcripts are sourced directly from the official live webcast or the company’s official investor relations website. We use the exact words spoken during the call with no paraphrasing of the core discussion.
Full verbatim transcripts are typically published within 4–12 hours after the call ends. Same-day availability is guaranteed for all S&P 500 and most mid-cap companies.
No material content is ever changed or summarized in the “Full Transcript” section. We only correct obvious spoken typos (e.g., “um”, “ah”, repeated 10 times”, or clear misspoken ticker symbols) and add speaker names/titles for readability. Every substantive sentence remains 100% as spoken.
When audio quality is poor or multiple speakers talk over each other, we mark the section instead of guessing. This ensures complete accuracy rather than introducing potential errors.
They are generated by a specialized financial-language model trained exclusively on 15+ years of earnings transcripts. The model extracts financial figures, guidance, and tone with 97%+ accuracy and is regularly validated against human analysts. The full raw transcript always remains available for verification.