Bruce Van saun on 2026 financial outlook
From Citizens Financial Group Inc ($CFG) Q4 2025 Earnings Call · · Castify Earnings Call
“With respect to the 2026 outlook, we expect very strong revenue performance, controlled expenses, significant positive operating leverage, and lower credit costs. NI growth of 10 to 12% will be paced by strong continuing NIM expansion and solid loan growth led by private bank and CNI.”
On , Bruce Van saun, Chief Executive Officer & Chairman of the Board at Citizens Financial Group Inc, spoke about 2026 financial outlook during Citizens Financial Group Inc ($CFG) Q4 2025 Earnings Call on Castify Earnings Call.
About Bruce Van saun
Bruce Van Saun, chairman and CEO of Citizens Financial Group, has discussed the bank’s financial performance and strategic initiatives across several earnings calls and media appearances. In the fourth quarter 2025 earnings call, he reported that the private bank finished the year with $14.5 billion in deposits and $7.2 billion in loans, and that the business was 7% accretive to pre-tax income with a 25% return on equity. He projected a favorable macro environment for 2026, including solid GDP growth, stable unemployment, and two more Fed rate cuts, and said the bank expects strong revenue performance with net interest income growth of 10 to 12%. Van Saun stated that the bank’s focus remains on organic growth rather than acquisitions. Van Saun has also highlighted a project called “reimagining the bank,” which he described as an effort to redesign customer service and bank operations using new technologies such as generative AI and agentic AI. He said the program includes about 50 initiatives across five categories and is expected to deliver meaningful bottom-line improvement over three years. In an April 2026 CNBC interview, Van Saun said the market had been “well behaved and pretty rational” despite uncertainty following the outbreak of a war in March, and that credit spreads had largely held in. He noted that consumer spending had not shown a major change as a result of the conflict, with higher-income consumers still spending and lower-income consumers remaining cautious but still spending.