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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 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with a medium-term ROE outlook presented separately.","https://schema.org",{"og:url":83,"og:type":123,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":125,"canonical":83},"index,follow",{"doc_id":127,"site_id":62},348187,1790071628,{"code":4,"msg":5,"data":130},{"doc_id":127,"user_id":131,"nickname":92,"user_avatar":132,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":133,"file_id":134,"file_url":135,"file_type":136,"file_size":137,"view_count":4,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":138,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":128,"read_time":143},1099514067438,"https://ap-avatar.wpscdn.com/avatar/100002539ee87300030?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780474512215547542","Topics of discussion  \nOverview of the Commercial & Investment Bank (CIB)  \nUpdates: Markets, Securities Services, Payments  \nDeep dive: Global Banking  \nClosing  \n1  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nThe Commercial & Investment Bank is well positioned to serve end-to-end wholesale client needs  \n~~  ~~Unparalleled~~ ~~wholesale~~ ~~client~~ ~~franchise~~  ~~  \nVC-backed start-ups  \nSMBs  \nMunicipalities  \nRegional banks  \nMultinational corporates  \nGlobal banks  \nAsset managers  \nGovernment & Public sector  \n~~  ~~Full~~ ~~spectrum~~ ~~of~~ ~~capabilities~~ ~~to~~ ~~serve~~ ~~client~~ ~~needs~~  ~~  \nLiquidity management  \nCapital markets  \nCommercial & Investment Bank  \nCustody  \nPrivate capital funding  \nRisk management  \nTrading Market  \ninsights  \nData analytics  \nLending  \nAdvisory  \nPayments  \n~~ Enhanced client centricity ~~  \n􀀻  \nSeamless client experience  \n􀀻  \nSolutions for client ecosystems  \n􀀻  \nOfferings across client lifecycle  \n􀀻  \nTop expertise  \ndelivered to all clients  \n2  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nThe Commercial & Investment Bank is organized around both products and clients  \n3  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nOur strategy is consistent, and we are better positioned to execute against it  \n2023 Commercial & Investment Bank  \n$64B  \nRevenue  \n$21B  \nAdjusted net income6  \n$138B  \nCapital  \n15%  \nAdjusted ROE6  \n92k  \nEmployees  \nFor footnoted information, refer to slide 36  \n4  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nOur market share remains strong, however competition has intensified across products and regions  \nInvestment Banking 1  \n2019 2020 2021 2022 2023  \nMarkets2  \nFlat  \nFlat  \n11.4%  \n2019 2020 2021 2022 2023  \nSecurities Services2  \n+40bps  \n+10bps  \n10.6%  \n2019 2020 2021 2022 2023  \nPayments (Treasury Services2 )  \n+330 b~~ ~~ps  \n2019 2020 2021 2022 2023  \nOverall market share3 :  \n9.2%  \n(2019)  \n9.9%  \n(2023)  \nFor footnoted information, refer to slide 36  \n5  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nDespite our leadership positions, there are several opportunities for growth  \n\n| \u003Cbr>2023 GLOBAL LEADERSHIP POSITIONS COMPARED TO PEERS\u003Cbr>Product rankings (out of 25 industry products)\u003Cbr>■ \\#1 ■ \\#2-3 ■ \\#4+ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n|  | 25 |  |  |  |  |  |  |  |  |  |  |  |  |  |\n|  |  |   1  |  | \u003Cbr>Peer 1 |  |  | |  | |  | \u003Cbr>Peer 4 |  | |  |\n|  |  | 11 |  |  |  |  |  |  |  |  |  |  |  |  |\n|  |  | 13 |  |  |  |  |  |  |  |  |  |  |  |  |\n|  | |  |  |  |  |  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |\n\n1,2  \nFor footnoted information, refer to slide 36  \n1,2,3  \n\n| \u003Cbr>2023 PRODUCT LEADERSHIP POSITIONS ACROSS REGIONS\u003Cbr>Number of products ranked ■ \\#1 ■ \\#2-3 ■ \\#4+ |  |  |  |  |\n| --- | --- | --- | --- | --- |\n| \u003Cbr>Americas\u003Cbr>\\#1 | | | | Maintained \\#1\u003Cbr>position in 14 products |\n| \u003Cbr>EMEA\u003Cbr>\\#1\u003Cbr>(tied) | | | | Maintained top 3\u003Cbr>position in 21 products |\n| \u003Cbr>APAC\u003Cbr>\\#3 | \u003Cbr>\u003Cbr>10\u003Cbr>2\u003Cbr>201912 | | \u003Cbr>7 6\u003Cbr>2023\u003Cbr>11 | \\#1 in 4 additional products since 2019 |\n\n6  \nCIB Overview Markets Securities Services Payments Global Banking Closing  \nSince 2019, revenue and net income have grown meaningfully but ROE is flat due to higher capital levels  \n◼ Revenue ($B) ◼ Adjusted net income ($B) 1 2019-2023 CAGR  \nCapital ($B)  \n2019  \n$102  \n2020  \n$102  \n2021  \n$107  \n2022  \n$128  \n2023  \n$138  \nCapital  \n+7.8%  \nAdjusted ROE (%) 1  \n15%  \n19%  \n24%  \n14%  \n15%  \nMedium-term ROE outlook2  \n16%  \n1 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  \n2 Medium-term ROE outlook excludes the ","cbCaittbcwklxiqf","https://ap.wps.com/l/cbCaittbcwklxiqf","pdf",3022006,44,"English","# Overview of the Commercial & Investment Bank (CIB)\n## Updates: Markets, Securities Services, Payments\n## Deep dive: Global Banking\n# Closing","[{\"question\":\"How is the Commercial \\u0026 Investment Bank (CIB) organized for serving clients?\",\"answer\":\"It is organized around both products and clients to serve end-to-end wholesale client needs.\"},{\"question\":\"What 2023 performance metrics are highlighted for CIB?\",\"answer\":\"The presentation lists 2023 revenue ($64B), adjusted net income ($21B), capital ($138B), adjusted ROE (15%), and employee count (92k).\"},{\"question\":\"Why is ROE described as flat despite revenue and net income growth since 2019?\",\"answer\":\"ROE is flat due to higher capital levels, with a medium-term ROE outlook presented separately.\"}]","Commercial & Investment Bank (CIB) Overview - Global Banking Markets Securities Services Payments | PDF",111]