Dr. Reddy’s Laboratories (NYSE:RDY) Q3 2026 Earnings call January 21, 2026 09:00 AM ET Speaker2Good day, everyone, and welcome to the Quarter 3 FY26 earnings call of Dr. Reddy's Laboratories Limited. We appreciate your continued interest in our company. I'm Aishwarya Sitharam, Head of Investor Relations at Dr. Reddy's. Joining us today are members of the leadership team: Mr. Erez Israeli, our Chief Executive Officer, and Mr. M V Narasimham, MVN, our Chief Financial Officer. Our quarterly financial results h ...

Citizens Financial Group (NYSE:CFG) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker1Welcome, and thank you for standing by. All participants will be on a listen-only mode until the question-and-answer session of today's call. At that time, to ask a question, please press star one. Today's conference is being recorded. I would now like to turn the conference over to Kristin Silberberg. Thank you. You may begin.Speaker3Thanks, Julie. Good morning, everyone, and thank you for joining us. First, this ...

4th Quarter 2025 Financial Review The tax-equivalent adjustment to net interest income and net interest margin recognizes the income tax savings when comparing taxable and tax-exempt assets. Interest income and yields on tax-exempt securities and loans are presented using the current federal income tax rate of 21%. Management believes that it is standard practice in the banking industry to present net interest income and net interest margin on a fully tax-equivalent basis and that it may enhance comparabili ...

Financial Data and Key Metrics Changes - The company reported core income of $2.5 billion for Q4 2025, or $11.13 per diluted share, with a core return on equity of 29.6% [4] - Full-year core income increased by 26% to $6.3 billion, with a core return on equity of 19.4% [15] - Underwriting income for Q4 was $2.2 billion pre-tax, up 21% year-over-year, with an underlying combined ratio improving to 82.2% [4][17] Business Line Data and Key Metrics Changes - Business Insurance net written premiums reached $5.5 billion, with a renewal premium change of 6.1% [5][26] - Bond and Specialty Insurance grew net written premiums to $1.1 billion, with retention at 87% [7] - Personal Insurance reported net written premiums of $4.2 billion, reflecting strong renewal premium change in homeowners and higher new business in auto [8][37] Market Data and Key Metrics Changes - The company grew net written premiums to $10.9 billion in Q4 2025, driven by disciplined execution across all segments [5] - The investment portfolio grew by approximately $7.5 billion to $106 billion, with after-tax net investment income of $867 million, up 10% year-over-year [19][20] Company Strategy and Development Direction - The company is transitioning to Innovation 2.0, leveraging AI and technology to enhance underwriting, claims processing, and overall operational efficiency [10][11] - The focus remains on maintaining strong underwriting income and improving operational leverage through strategic investments in technology [14][24] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to generate substantial shareholder value, citing strong underlying business performance as a foundation for future results [16] - The outlook for fixed income net investment income for 2026 is projected at approximately $3.3 billion after-tax, indicating significant growth compared to previous years [20] Other Important Information - The company returned $1.9 billion of capital to shareholders in Q4, including $1.7 billion in share repurchases [5][23] - Adjusted book value per share increased by 14% year-over-year to $158.01 [22] Q&A Session Summary Question: Insights on technology investments and expense ratio - Management indicated that while the expense ratio is expected to remain flat at 28.5% for 2026, the company is focused on optimizing operating leverage and managing efficiencies [44][46] Question: Regulatory considerations on profitability - Management acknowledged the importance of addressing affordability issues and emphasized that the profitability of the Personal Insurance business should be viewed over a longer period [48][49] Question: Changes in renewal premium change in Business Insurance - Management noted that the deceleration in renewal premium change is attributed to both rate and exposure factors [50][51] Question: Capital return strategy and future buybacks - Management confirmed no change in capital management strategy and indicated that buybacks will depend on various factors, including catastrophe losses and overall profitability [52][54] Question: Catastrophe losses and their impact on premium growth - Management clarified that the expected impact of ceded premium on premium growth in 2026 is not anticipated to be significant [56]

Metropolitan Bank (NYSE:MCB) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker3Welcome to Metropolitan Commercial Bank Fourth Quarter 2025 earnings call. Hosting the call today from Metropolitan Commercial Bank are Mark DeFazio, President and Chief Executive Officer, and Daniel Dougherty, Executive Vice President and Chief Financial Officer. Today's call is being recorded. At this time, all participants have been placed in a listen-only mode, and the floor will be open for your questions following ...

BankUnited (NYSE:BKU) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker0Good day and welcome to the BankUnited's Susan Wright Greenfield 4th Quarter and Fiscal Year 2025 Results Conference Call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one on a touch-tone phone. To wi ...

Ally Financial (NYSE:ALLY) Q4 2025 Earnings call January 21, 2026 09:00 AM ET Speaker0Good day, and thank you for standing by. Welcome to Ally Financial Fourth Quarter 2025 earnings conference call. At this time, all participants are on a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 11 on your touch-tone telephone. You will then hear an automated message advising your hand is raised. To with ...

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsVincent Delie - Chairman, President and CEOVincent Calabrese - CFOGary L. Guerrieri - Chief Credit OfficerNone - Company RepresentativeLisa Hajdu - Head of Investor RelationsConference Call ParticipantsNone - AnalystDaniel Tamayo - AnalystKelly Motta - AnalystBrian Martin - AnalystRussell Gunther - AnalystOperatorGood morning, everyone. Thank you for joining this morning's F.N.B. Corporation conference call. The call wi ...

Dime Community Bancshares (NasdaqGS:DCOM) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsSteve Moss - Managing Director Banking ArlingtonStuart Lubow - President and CEOMark Fitzgibbon - Managing Director and Head of FSG ResearchAvinash Reddy - COO and CFOTom Geisel - Chief Commercial OfficerDavid Konrad - Managing Director of Equity ResearchConference Call ParticipantsMatthew Breese - Managing Director and Research AnalystOperatorGood day, and welcome to the Dime Community Bancshare ...

Dime Community Bancshares (NasdaqGS:DCOM) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsSteve Moss - Managing Director Banking ArlingtonStuart Lubow - President and CEOMark Fitzgibbon - Managing Director and Head of FSG ResearchAvinash Reddy - COO and CFOTom Geisel - Chief Commercial OfficerDavid Konrad - Managing Director of Equity ResearchConference Call ParticipantsMatthew Breese - Managing Director and Research AnalystOperatorGood day, and welcome to the Dime Community Bancshare ...