Management remarks
Call period: 2026 Q2 · 2026-08-04
Guidance: Manveen Kaur: We are upgrading our full year banking NII guidance to at least USD 46 billion. This reflects growing both sides of the balance sheet and the continued favorable interest rate outlook.Demand and orders: Georges Elhedery: We continued to grow deposits, and we grew our customer base year-on-year with active Premier customers up 7%.Margins: Manveen Kaur: Our 100 basis points of capital generation from regulatory profits is up, both quarter-on-quarter and year-on-year this quarter, franchise balance sheet growth across the bank consumed 30 basis points of capital.Analyst Q&A
Analyst Alastair Warr asked: Two questions on costs, if I may. First, quite simple. If you could just give a little bit more color on where the additional simplification saves are coming from, what's changed there? Management Georges Elhedery answered: So we're very pleased to have upgraded our simplification saves from $1.5 billion to $2 billion to be delivered and to be actioned before the end of this year and delivered in full in 2027. And we're doing so with the same initiative committed $1.8 billion of cost to achieve, a one-time cost to achieve. So we're pleased with this upgrade. We have seen strong progress on our cost delivery, part of it refers to areas of cost where we had a little bit more uncertainty at the inception of this program, and we felt more authority now 1.5 years into it.管理层陈述
电话会期间：2026 Q2 · 2026-08-04
指引：曼维恩·考尔：我们将全年银行净利息收入指引上调至至少460亿美元，这反映了资产负债表两端的增长以及持续有利的利率前景。需求与订单：乔治·埃尔赫德里：我们的存款持续增长，客户基数同比提升，卓越理财活跃客户数量增长7%。利润率：曼维恩·考尔：本季度我们来自监管利润的资本生成达100个基点，环比和同比均有所增长，全行各业务条线的资产负债表增长消耗了30个基点的资本。分析师问答
分析师阿拉斯泰尔·沃尔提问：关于成本有两个问题，第一个很简单，请您多说明额外的精简节省资金的来源以及其中的变化。管理层乔治斯·埃尔赫德里回答：我们很高兴将精简节省资金目标从15亿美元上调至20亿美元，将在今年年底前落实相关行动，2027年全额兑现，实现该目标的一次性成本为18亿美元。我们在成本交付上进展显著，部分源于项目启动初期存在的不确定性，推进1.5年后我们如今掌握了更多信息。This earnings research was prepared from company results, regulatory filings, financial statements, and earnings-call transcripts or official replays. It is for informational purposes only and does not constitute investment advice.这篇财报研究基于公司业绩公告、监管文件、财务报表，以及财报电话会议记录或官方回放整理。内容仅供参考，不构成投资建议。
