Loading viewer...
investor_presentation
Format: PDF investor_presentation
January 24, 2022 Fourth Quarter 2021 Financial Review
Financial Review2Forward -Looking Statements; Use of Non- GAAP Financial Measures
Forward Looking Information
This earnings presentation includes “forward- looking statements” as that term is defined in the Private Securities Litigation
Reform Act of 1995. These statements, often accompanied by words such as “may,” “might,” “could,” “anticipate,” “expect,” and
similar terms, are based on management’s current expectations and assumptions regarding future events or determinations, all of
which are subject to known and unknown risks and uncertainties. Forward- looking statements are not guarantees, nor should
they be relied upon as representing management’s views as of any subsequent date. Factors that could cause our actual results ,
performance or achievements, industry trends, and results or regulatory outcomes to differ materially from those expressed orimplied in the forward- looking statements are discussed in our 2020 Form 10- K and subsequent filings with the Securities and
Exchange Commission (SEC) and are available on our website (www.zionsbancorporation.com) and from the SEC (www.sec.gov).
Except to the extent required by law, we specifically disclaim any obligation to update any factors or to publicly announce t he
revisions to any forward -looking statements to reflect future events or developments.
Use of Non -GAAP Financial Measures:
This document contains several references to non -GAAP measures, including pre -provision net revenue and the “efficiency ratio,”
which are common industry terms used by investors and financial services analysts. Certain of these non- GAAP measures are key
inputs into Zions’ management compensation and are used in Zions’ strategic goals that have been and may continue to be articulated to investors. Therefore, the use of such non -GAAP measures are believed by management to be of substantial interest
to the consumers of these financial disclosures and are used prominently throughout the disclosures. A full reconciliation of the
difference between such measures and GAAP financials is provided within the document, and users of this document are encouraged to carefully review this reconciliation.Our loan growth strengthened; outlook favorable
Strong growth in multiple categories
Strategic use of liquidity by running promotional lending campaigns
Our deposit growth remains strong
We are investing the cash generated from deposits in loans and modest duration securities
Simultaneously, we are maintaining a strong liquidity profile
We are well prepared for rising interest rates
We have positioned the bank for future interest rates by carefully managing balance sheet liquidity
Investment in securities have been limited to medium duration securities with limited duration extension risk
We are investing significantly in technology to position the company for
Improved long -term resiliency
Improved customer acquisition
Above -average operating leverage
Preview truncated — download the full document for the complete content.
investor_presentation
28 Pages
Calibre Mining 2024 Corporate Presentation - Gold Producer
investor_presentation
29 Pages
Calibre Mining