U.S. Bancorp (USB) Goldman Sachs 2025 U.S. Monetary Providers Convention December 10, 2025 9:20 AM EST
Firm Members
Gunjan Kedia – President & CEO
John Stern – Vice Chair & Chief Monetary Officer
Convention Name Members
Richard Ramsden – Goldman Sachs Group, Inc., Analysis Division
Presentation
Richard Ramsden
Goldman Sachs Group, Inc., Analysis Division
Okay. So good morning, all people. We will get began with the subsequent presentation. Delighted to have U.S. Bancorp with us this morning. We have now each President and CEO, Gunjan Kedia. You are, I assume, approaching your first yr or near the primary yr as CEO.
Gunjan Kedia
President & CEO
8 months.
Richard Ramsden
Goldman Sachs Group, Inc., Analysis Division
8 months. I assume April, sure. And John Stern, CFO, who’s identified — well-known to everybody. And I assume you are shut to three years of CFO.
John Stern
Vice Chair & Chief Monetary Officer
Getting there.
Richard Ramsden
Goldman Sachs Group, Inc., Analysis Division
And being very common attendee on the convention. That is Gunjan’s first time. Delighted to have you ever right here for what I hope would be the first of many displays.
Query-and-Reply Session
Richard Ramsden
Goldman Sachs Group, Inc., Analysis Division
So I believed I am going to begin off together with your strategic priorities. And I believe it is truthful to say you’ve got been very constant and really clear round your strategic priorities over the course of the final 8 months, that are specializing in bills, natural development and funds transformation. Are you able to maybe give us a scorecard on the progress you’re feeling you’ve gotten made on these priorities? And as you consider 2026, are these nonetheless the priorities that you just’re centered on?
Gunjan Kedia
President & CEO
Thanks, Richard, and it is a pleasure to be right here to speak to you. So that you keep in mind final yr at Investor Day, we articulated some

