Commercial & Investment Bank (CIB) Overview - Global Banking Markets Securities Services Payments

Sep 22, 2026

Commercial & Investment Bank (CIB) overview covering end-to-end wholesale capabilities and the operating model organized around both products and clients. The material updates performance themes across Markets, Securities Services, Payments, and Global Banking, highlighting leadership positions versus peers, product rankings across regions, and competitive pressure. It provides 2023 financial metrics (revenue, adjusted net income, capital, adjusted ROE) plus workforce size, and includes growth since 2019 with a largely flat ROE outlook due to higher capital levels and medium-term return expectations.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages44

Reading Time1 h 51 min

AccessFree to download

Overview of the Commercial & Investment Bank (CIB)

Updates: Markets, Securities Services, Payments

Deep dive: Global Banking

Closing

Topics of discussion Overview of the Commercial & Investment Bank (CIB) Updates: Markets, Securities Services, Payments Deep dive: Global Banking Closing 1 CIB Overview Markets Securities Services Payments Global Banking Closing The Commercial & Investment Bank is well positioned to serve end-to-end wholesale client needs ~~ ~~Unparalleled~~ ~~wholesale~~ ~~client~~ ~~franchise~~ ~~ VC-backed start-ups SMBs Municipalities Regional banks Multinational corporates Global banks Asset managers Government & Public sector ~~ ~~Full~~ ~~spectrum~~ ~~of~~ ~~capabilities~~ ~~to~~ ~~serve~~ ~~client~~ ~~needs~~ ~~ Liquidity management Capital markets Commercial & Investment Bank Custody Private capital funding Risk management Trading Market insights Data analytics Lending Advisory Payments ~~ Enhanced client centricity ~~ 􀀻 Seamless client experience 􀀻 Solutions for client ecosystems 􀀻 Offerings across client lifecycle 􀀻 Top expertise delivered to all clients 2 CIB Overview Markets Securities Services Payments Global Banking Closing The Commercial & Investment Bank is organized around both products and clients 3 CIB Overview Markets Securities Services Payments Global Banking Closing Our strategy is consistent, and we are better positioned to execute against it 2023 Commercial & Investment Bank $64B Revenue $21B Adjusted net income6 $138B Capital 15% Adjusted ROE6 92k Employees For footnoted information, refer to slide 36 4 CIB Overview Markets Securities Services Payments Global Banking Closing Our market share remains strong, however competition has intensified across products and regions Investment Banking 1 2019 2020 2021 2022 2023 Markets2 Flat Flat 11.4% 2019 2020 2021 2022 2023 Securities Services2 +40bps +10bps 10.6% 2019 2020 2021 2022 2023 Payments (Treasury Services2 ) +330 b~~ ~~ps 2019 2020 2021 2022 2023 Overall market share3 : 9.2% (2019) 9.9% (2023) For footnoted information, refer to slide 36 5 CIB Overview Markets Securities Services Payments Global Banking Closing Despite our leadership positions, there are several opportunities for growth |
2023 GLOBAL LEADERSHIP POSITIONS COMPARED TO PEERS
Product rankings (out of 25 industry products)
■ \#1 ■ \#2-3 ■ \#4+ | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 25 | | | | | | | | | | | | | | | | | 1 | |
Peer 1 | | | | | | |
Peer 4 | | | | | | | 11 | | | | | | | | | | | | | | | | 13 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 1,2 For footnoted information, refer to slide 36 1,2,3 |
2023 PRODUCT LEADERSHIP POSITIONS ACROSS REGIONS
Number of products ranked ■ \#1 ■ \#2-3 ■ \#4+ | | | | | | --- | --- | --- | --- | --- | |
Americas
\#1 | | | | Maintained \#1
position in 14 products | |
EMEA
\#1
(tied) | | | | Maintained top 3
position in 21 products | |
APAC
\#3 |

10
2
201912 | |
7 6
2023
11 | \#1 in 4 additional products since 2019 | 6 CIB Overview Markets Securities Services Payments Global Banking Closing Since 2019, revenue and net income have grown meaningfully but ROE is flat due to higher capital levels ◼ Revenue ($B) ◼ Adjusted net income ($B) 1 2019-2023 CAGR Capital ($B) 2019 $102 2020 $102 2021 $107 2022 $128 2023 $138 Capital +7.8% Adjusted ROE (%) 1 15% 19% 24% 14% 15% Medium-term ROE outlook2 16% 1 This presentation includes certain non-GAAP financial measures, which exclude the impact of legal expense. Refer to slide 35 for a reconciliation of reported results to these non-GAAP financial measures 2 Medium-term ROE outlook excludes the

FAQs

How is the Commercial & Investment Bank (CIB) organized for serving clients?

It is organized around both products and clients to serve end-to-end wholesale client needs.

What 2023 performance metrics are highlighted for CIB?

The presentation lists 2023 revenue ($64B), adjusted net income ($21B), capital ($138B), adjusted ROE (15%), and employee count (92k).

Why is ROE described as flat despite revenue and net income growth since 2019?

ROE is flat due to higher capital levels, with a medium-term ROE outlook presented separately.

Sep 22, 2026

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