Zions Bancorporation, National Association (ZION) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
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SA Transcripts157.27K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Zions Bancorporation, National Association (ZION) Goldman Sachs 2025 U.S.
Financial Services Conference December 9, 2025 1:40 PM EST Company Participants Harris Simmons - Chairman & CEO Presentation Unknown Analyst We're going to get started here. Up next, we're pleased to have Zions joining us at the conference. They've had a strong year, posting improving top line growth driven by margin expansion, continued growth in fee income, all while maintaining a tight hold on expenses. While there was some noise during 3Q regarding credit that appears to have been a one-off, hopefully. And its credit performance continues to be amongst the best in the industry. Here to tell us more about what that is Chairman and CEO, Harris Simmons. Welcome, Harris. Harris SimmonsChairman & CEO Thank you. Question-and-Answer Session Unknown Analyst So Harris, obviously, there's been a lot going on out there. We had tariffs. We had the government shutdown, mix numbers on jobs. It feels like the Fed is still in an easing cycle. So lots of different things going on in the macro. I guess given that as background, maybe start off how you're feeling about how the bank is positioned for this environment that we're about to enter. Harris SimmonsChairman & CEO Well, I think I'm pretty sanguine about what the environment looks like. I mean if I go back to earlier in the year and the tariffs and the Liberation Day, et cetera, I mean, I think there was a lot of anxiety about what this could do to the economy. I think what's played out and my view is that owners of businesses have started to realize that Donald Trump is among -- beyond anything else that he's basically transactional that he's -- there's a lot of plasticity to his approach to solving problems.
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