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U.S. Bancorp (USB) Goldman Sachs 2025 U.S. Financial Services Conference December 10, 2025 9:20 AM EST
Company Participants
Gunjan Kedia – President & CEO
John Stern – Vice Chair & Chief Financial Officer
Conference Call Participants
Richard Ramsden – Goldman Sachs Group, Inc., Research Division
Presentation
Richard Ramsden
Goldman Sachs Group, Inc., Research Division
Okay. So good morning, everybody. We’re going to get started with the next presentation. Delighted to have U.S. Bancorp with us this morning. We have both President and CEO, Gunjan Kedia. You’re, I guess, approaching your first year or close to the first year as CEO.
Gunjan Kedia
President & CEO
8 months.
Richard Ramsden
Goldman Sachs Group, Inc., Research Division
8 months. I guess April, yes. And John Stern, CFO, who’s known — well known to everyone. And I guess you’re close to 3 years of CFO.
John Stern
Vice Chair & Chief Financial Officer
Getting there.
Richard Ramsden
Goldman Sachs Group, Inc., Research Division
And being very regular attendee at the conference. This is Gunjan’s first time. Delighted to have you here for what I hope will be the first of many presentations.
Question-and-Answer Session
Richard Ramsden
Goldman Sachs Group, Inc., Research Division
So I thought I’ll start off with your strategic priorities. And I think it’s fair to say you’ve been very consistent and very clear around your strategic priorities over the course of the last 8 months, which are focusing on expenses, organic growth and payments transformation. Can you perhaps give us a scorecard on the progress you feel you have made on those priorities? And as you think about 2026, are those still the priorities that you’re focused on?
Gunjan Kedia
President & CEO
Thank you, Richard, and it’s a pleasure to be here to talk to you. So you remember last year at Investor Day, we articulated some
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