Financial Services - Banks - Regional - NYSE - US
$ 17.22
0.0581 %
$ 78.6 B
Market Cap
3.71
P/E
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations.[ Read More ]
The intrinsic value of one USB-PQ stock under the base case scenario is HIDDEN Compared to the current market price of 17.2 USD, U.S. Bancorp is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart USB-PQ
FINANCIALS
25.7 B
REVENUE
10.7 B
OPERATING INCOME
5.43 B
NET INCOME
8.45 B
OPERATING CASH FLOW
18.9 B
INVESTING CASH FLOW
-19.7 B
FINANCING CASH FLOW
6.83 B
REVENUE
2.28 B
OPERATING INCOME
1.58 B
NET INCOME
2.35 B
OPERATING CASH FLOW
-8.45 B
INVESTING CASH FLOW
16.1 B
FINANCING CASH FLOW
Balance Sheet Decomposition
U.S. Bancorp
| Current Assets | 61.1 B |
| Cash & Short-Term Investments | 61.1 B |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 599 B |
| Long-Term Investments | 0 |
| PP&E | 3.62 B |
| Other Non-Current Assets | 595 B |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 11.5 B |
| Other Current Liabilities | -11.5 B |
| Non-Current Liabilities | 608 B |
| Long-Term Debt | 51.5 B |
| Other Non-Current Liabilities | 556 B |
EFFICIENCY
Earnings Waterfall
U.S. Bancorp
| Revenue | 25.7 B |
| Cost Of Revenue | -2.28 B |
| Gross Profit | 28 B |
| Operating Expenses | 15 B |
| Operating Income | 10.7 B |
| Other Expenses | 5.29 B |
| Net Income | 5.43 B |
RATIOS
108.84%
GROSS MARGIN
41.65%
OPERATING MARGIN
21.09%
NET MARGIN
9.82%
ROE
0.82%
ROA
7.21%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
U.S. Bancorp
| Net Income | 5.43 B |
| Depreciation & Amortization | 1.02 B |
| Capital Expenditures | 6.03 B |
| Stock-Based Compensation | 224 M |
| Change in Working Capital | 0 |
| Others | 1.62 B |
| Free Cash Flow | 8.45 B |
Wall Street Analysts Price Targets
U.S. Bancorp
USB-PQ has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.19%
DIVIDEND YIELD
0.234 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
U.S. Bancorp
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
1.91 M USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
9 months ago
Jan 18, 2024
|
Sell 488 K USD
|
Welsh Timothy A
Vice Chair |
- 12100
|
40.328 USD |
|
11 months ago
Dec 14, 2023
|
Sell 1.02 M USD
|
DOLAN TERRANCE R
Vice Chair |
- 22756
|
45.041 USD |
|
11 months ago
Dec 07, 2023
|
Sell 117 K USD
|
Kotwal Shailesh M
Vice Chair |
- 2954
|
39.565 USD |
|
11 months ago
Dec 08, 2023
|
Sell 202 K USD
|
Kotwal Shailesh M
Vice Chair |
- 5000
|
40.361 USD |
|
11 months ago
Dec 11, 2023
|
Sell 82.5 K USD
|
Kotwal Shailesh M
Vice Chair |
- 2046
|
40.342 USD |
|
1 year ago
Jul 06, 2023
|
Bought 1.3 K USD
|
Kelligrew James B
Vice Chair |
+ 80
|
16.26 USD |
|
1 year ago
Jan 19, 2023
|
Bought 37.2 USD
|
Kelligrew James B
Vice Chair |
+ 2
|
18.59 USD |
|
1 year ago
Dec 21, 2022
|
Bought 1.19 K USD
|
Kelligrew James B
Vice Chair |
+ 68
|
17.444 USD |
|
2 years ago
Nov 09, 2022
|
Bought 2 K USD
|
Kelligrew James B
Vice Chair |
+ 120
|
16.698 USD |
|
4 years ago
Oct 26, 2020
|
Bought 7.04 K USD
|
Kelligrew James B
Vice Chair |
+ 286
|
24.611 USD |
|
2 years ago
Jul 25, 2022
|
Sell 72.6 USD
|
Kelligrew James B
Vice Chair |
- 4
|
18.143 USD |
|
1 year ago
Jan 19, 2023
|
Sell 35.5 USD
|
Kelligrew James B
Vice Chair |
- 2
|
17.75 USD |
|
2 years ago
Oct 14, 2022
|
Bought 1.01 K USD
|
Kelligrew James B
Vice Chair |
+ 62
|
16.305 USD |
|
4 years ago
Jun 12, 2020
|
Bought 322 USD
|
Kelligrew James B
Vice Chair |
+ 12
|
26.84 USD |
|
1 year ago
Jan 13, 2023
|
Bought 187 USD
|
Kelligrew James B
Vice Chair |
+ 4
|
46.833 USD |
|
3 years ago
Jun 23, 2021
|
Bought 1.74 K USD
|
Kelligrew James B
Vice Chair |
+ 31
|
56.277 USD |
|
7 years ago
Mar 16, 2017
|
Bought 814 USD
|
Kelligrew James B
Vice Chair |
+ 28
|
29.069 USD |
|
7 years ago
Jan 30, 2017
|
Bought 11.4 K USD
|
Kelligrew James B
Vice Chair |
+ 217
|
52.682 USD |
|
6 years ago
Oct 30, 2018
|
Sell 105 USD
|
Kelligrew James B
Vice Chair |
- 2
|
52.282 USD |
|
3 years ago
Mar 16, 2021
|
Sell 919 USD
|
Kelligrew James B
Vice Chair |
- 35
|
26.266 USD |
|
3 years ago
Mar 10, 2021
|
Bought 697 USD
|
Kelligrew James B
Vice Chair |
+ 13
|
53.644 USD |
|
3 years ago
Feb 17, 2021
|
Bought 4.71 K USD
|
Kelligrew James B
Vice Chair |
+ 189
|
24.919 USD |
|
3 years ago
Mar 09, 2021
|
Bought 1.75 K USD
|
Kelligrew James B
Vice Chair |
+ 33
|
53.131 USD |
|
2 years ago
Sep 26, 2022
|
Bought 1.11 K USD
|
Kelligrew James B
Vice Chair |
+ 58
|
19.175 USD |
|
3 years ago
Jan 25, 2021
|
Bought 6.89 K USD
|
Kelligrew James B
Vice Chair |
+ 151
|
45.627 USD |
|
5 years ago
Apr 25, 2019
|
Sell 3.31 K USD
|
Kelligrew James B
Vice Chair |
- 64
|
51.794 USD |
|
2 years ago
Feb 28, 2022
|
Bought 2.3 K USD
|
Kelligrew James B
Vice Chair |
+ 96
|
23.908 USD |
|
8 years ago
Jan 12, 2016
|
Sell 1.59 K USD
|
Kelligrew James B
Vice Chair |
- 60
|
26.475 USD |
|
8 years ago
Jan 13, 2016
|
Sell 503 USD
|
Kelligrew James B
Vice Chair |
- 19
|
26.475 USD |
|
3 years ago
Dec 23, 2020
|
Sell 7.09 K USD
|
Kelligrew James B
Vice Chair |
- 151
|
46.925 USD |
|
7 years ago
Mar 28, 2017
|
Bought 2.9 K USD
|
Kelligrew James B
Vice Chair |
+ 55
|
52.769 USD |
|
7 years ago
Oct 17, 2017
|
Sell 593 USD
|
Kelligrew James B
Vice Chair |
- 11
|
53.881 USD |
|
6 years ago
Mar 22, 2018
|
Sell 816 USD
|
Kelligrew James B
Vice Chair |
- 16
|
50.982 USD |
|
7 years ago
Mar 24, 2017
|
Bought 158 USD
|
Kelligrew James B
Vice Chair |
+ 3
|
52.639 USD |
|
7 years ago
Mar 28, 2017
|
Bought 290 USD
|
Kelligrew James B
Vice Chair |
+ 10
|
29.04 USD |
|
7 years ago
Oct 17, 2017
|
Sell 69.2 USD
|
Kelligrew James B
Vice Chair |
- 3
|
23.06 USD |
|
6 years ago
Mar 22, 2018
|
Sell 84.2 USD
|
Kelligrew James B
Vice Chair |
- 3
|
28.07 USD |
|
6 years ago
Apr 16, 2018
|
Sell 27.7 USD
|
Kelligrew James B
Vice Chair |
- 1
|
27.66 USD |
|
7 years ago
Mar 16, 2017
|
Bought 291 USD
|
Kelligrew James B
Vice Chair |
+ 10
|
29.06 USD |
|
7 years ago
Mar 28, 2017
|
Bought 184 USD
|
Kelligrew James B
Vice Chair |
+ 8
|
23.06 USD |
|
8 years ago
Nov 18, 2016
|
Bought 3.13 K USD
|
Kelligrew James B
Vice Chair |
+ 111
|
28.19 USD |
|
7 years ago
Oct 17, 2017
|
Sell 69.2 USD
|
Kelligrew James B
Vice Chair |
- 3
|
23.06 USD |
|
6 years ago
Mar 22, 2018
|
Sell 69.4 USD
|
Kelligrew James B
Vice Chair |
- 3
|
23.13 USD |
|
6 years ago
Apr 16, 2018
|
Sell 23 USD
|
Kelligrew James B
Vice Chair |
- 1
|
22.975 USD |
|
8 years ago
Nov 18, 2016
|
Bought 2.39 K USD
|
Kelligrew James B
Vice Chair |
+ 105
|
22.75 USD |
|
7 years ago
Mar 28, 2017
|
Bought 155 USD
|
Kelligrew James B
Vice Chair |
+ 6
|
25.88 USD |
|
7 years ago
Oct 17, 2017
|
Sell 50.9 USD
|
Kelligrew James B
Vice Chair |
- 2
|
25.44 USD |
|
6 years ago
Mar 22, 2018
|
Sell 50.7 USD
|
Kelligrew James B
Vice Chair |
- 2
|
25.367 USD |
|
6 years ago
Apr 16, 2018
|
Sell 25.2 USD
|
Kelligrew James B
Vice Chair |
- 1
|
25.155 USD |
|
8 years ago
Nov 18, 2016
|
Bought 1.99 K USD
|
Kelligrew James B
Vice Chair |
+ 81
|
24.509 USD |
|
6 years ago
Jun 13, 2018
|
Sell 436 USD
|
Kelligrew James B
Vice Chair |
- 17
|
25.643 USD |
|
8 years ago
Nov 18, 2016
|
Bought 666 USD
|
Kelligrew James B
Vice Chair |
+ 26
|
25.6 USD |
|
8 years ago
Nov 18, 2016
|
Bought 33.6 K USD
|
Kelligrew James B
Vice Chair |
+ 681
|
49.315 USD |
|
1 year ago
Jul 06, 2023
|
Bought 1.07 K USD
|
Kelligrew James B
Vice Chair |
+ 66
|
16.263 USD |
|
1 year ago
May 16, 2023
|
Bought 552 USD
|
Kelligrew James B
Vice Chair |
+ 34
|
16.25 USD |
|
1 year ago
Dec 21, 2022
|
Bought 977 USD
|
Kelligrew James B
Vice Chair |
+ 56
|
17.444 USD |
|
1 year ago
Jan 26, 2023
|
Sell 189 USD
|
Kelligrew James B
Vice Chair |
- 10
|
18.949 USD |
|
2 years ago
Nov 09, 2022
|
Bought 417 USD
|
Kelligrew James B
Vice Chair |
+ 25
|
16.69 USD |
|
2 years ago
Nov 09, 2022
|
Bought 1.65 K USD
|
Kelligrew James B
Vice Chair |
+ 99
|
16.698 USD |
|
1 year ago
Jul 06, 2023
|
Bought 479 USD
|
Kelligrew James B
Vice Chair |
+ 31
|
15.46 USD |
|
4 years ago
Oct 26, 2020
|
Bought 1.99 K USD
|
Kelligrew James B
Vice Chair |
+ 81
|
24.57 USD |
|
2 years ago
Jul 25, 2022
|
Sell 54.4 USD
|
Kelligrew James B
Vice Chair |
- 3
|
18.143 USD |
|
2 years ago
Sep 19, 2022
|
Sell 49.9 USD
|
Kelligrew James B
Vice Chair |
- 3
|
16.625 USD |
|
2 years ago
Oct 14, 2022
|
Bought 261 USD
|
Kelligrew James B
Vice Chair |
+ 16
|
16.3 USD |
|
1 year ago
Jan 26, 2023
|
Sell 182 USD
|
Kelligrew James B
Vice Chair |
- 10
|
18.215 USD |
|
2 years ago
Oct 14, 2022
|
Bought 815 USD
|
Kelligrew James B
Vice Chair |
+ 50
|
16.305 USD |
|
1 year ago
Jun 01, 2023
|
Bought 489 USD
|
Kelligrew James B
Vice Chair |
+ 25
|
19.556 USD |
|
1 year ago
Mar 17, 2023
|
Bought 796 USD
|
Kelligrew James B
Vice Chair |
+ 38
|
20.947 USD |
|
2 years ago
Jan 19, 2022
|
Bought 739 USD
|
Kelligrew James B
Vice Chair |
+ 30
|
24.642 USD |
|
2 years ago
Sep 19, 2022
|
Sell 34.9 USD
|
Kelligrew James B
Vice Chair |
- 2
|
17.451 USD |
|
4 years ago
Oct 26, 2020
|
Bought 5.78 K USD
|
Kelligrew James B
Vice Chair |
+ 235
|
24.611 USD |
|
1 year ago
Dec 21, 2022
|
Bought 469 USD
|
Kelligrew James B
Vice Chair |
+ 24
|
19.554 USD |
|
1 year ago
Jan 26, 2023
|
Sell 63.8 USD
|
Kelligrew James B
Vice Chair |
- 3
|
21.26 USD |
|
3 years ago
Mar 14, 2021
|
Bought 47.5 USD
|
Kelligrew James B
Vice Chair |
+ 2
|
23.77 USD |
|
3 years ago
Feb 17, 2021
|
Bought 5.21 K USD
|
Kelligrew James B
Vice Chair |
+ 209
|
24.919 USD |
|
2 years ago
Sep 26, 2022
|
Bought 1.32 K USD
|
Kelligrew James B
Vice Chair |
+ 69
|
19.175 USD |
|
2 years ago
Feb 28, 2022
|
Bought 3.18 K USD
|
Kelligrew James B
Vice Chair |
+ 133
|
23.908 USD |
|
2 years ago
Sep 19, 2022
|
Sell 19.5 USD
|
Kelligrew James B
Vice Chair |
- 1
|
19.514 USD |
|
2 years ago
Apr 14, 2022
|
Bought 452 USD
|
Kelligrew James B
Vice Chair |
+ 18
|
25.12 USD |
|
2 years ago
Sep 19, 2022
|
Sell 24 USD
|
Kelligrew James B
Vice Chair |
- 1
|
23.964 USD |
|
2 years ago
Feb 09, 2022
|
Bought 387 USD
|
Kelligrew James B
Vice Chair |
+ 15
|
25.79 USD |
|
4 years ago
Feb 26, 2020
|
Bought 272 USD
|
Kelligrew James B
Vice Chair |
+ 10
|
27.19 USD |
|
1 year ago
Jan 17, 2023
|
Bought 41.1 K USD
|
Kelligrew James B
Vice Chair |
+ 863
|
47.665 USD |
|
5 years ago
Sep 17, 2019
|
Bought 5.97 K USD
|
Kelligrew James B
Vice Chair |
+ 107
|
55.779 USD |
|
5 years ago
Nov 19, 2019
|
Sell 536 USD
|
Kelligrew James B
Vice Chair |
- 9
|
59.518 USD |
|
5 years ago
May 03, 2019
|
Sell 11.9 K USD
|
Kelligrew James B
Vice Chair |
- 221
|
53.734 USD |
|
4 years ago
Jun 04, 2020
|
Sell 6.46 K USD
|
Kelligrew James B
Vice Chair |
- 163
|
39.61 USD |
|
6 years ago
Aug 27, 2018
|
Bought 27.2 K USD
|
Kelligrew James B
Vice Chair |
+ 500
|
54.4 USD |
|
2 years ago
Jan 11, 2022
|
Bought 8.87 K USD
|
Kelligrew James B
Vice Chair |
+ 143
|
62.01 USD |
|
3 years ago
Dec 23, 2020
|
Sell 12.6 K USD
|
Kelligrew James B
Vice Chair |
- 268
|
46.855 USD |
|
3 years ago
Jan 25, 2021
|
Bought 33.3 K USD
|
Kelligrew James B
Vice Chair |
+ 725
|
45.919 USD |
|
7 years ago
Jan 31, 2017
|
Bought 23.1 K USD
|
Kelligrew James B
Vice Chair |
+ 440
|
52.602 USD |
|
1 year ago
Jan 13, 2023
|
Bought 18.9 K USD
|
Kelligrew James B
Vice Chair |
+ 403
|
46.833 USD |
|
5 years ago
May 03, 2019
|
Bought 1.74 K USD
|
Kelligrew James B
Vice Chair |
+ 65
|
26.84 USD |
|
3 years ago
Mar 16, 2021
|
Sell 525 USD
|
Kelligrew James B
Vice Chair |
- 20
|
26.266 USD |
|
7 years ago
Mar 16, 2017
|
Bought 698 USD
|
Kelligrew James B
Vice Chair |
+ 24
|
29.069 USD |
|
5 years ago
May 03, 2019
|
Bought 1.1 K USD
|
Kelligrew James B
Vice Chair |
+ 57
|
19.36 USD |
|
2 years ago
Sep 19, 2022
|
Sell 58.3 USD
|
Kelligrew James B
Vice Chair |
- 3
|
19.446 USD |
|
5 years ago
May 03, 2019
|
Bought 355 USD
|
Kelligrew James B
Vice Chair |
+ 14
|
25.33 USD |
|
5 years ago
Sep 16, 2019
|
Bought 614 USD
|
Kelligrew James B
Vice Chair |
+ 23
|
26.69 USD |
|
5 years ago
Nov 07, 2019
|
Sell 202 USD
|
Kelligrew James B
Vice Chair |
- 8
|
25.287 USD |
|
5 years ago
May 03, 2019
|
Bought 600 USD
|
Kelligrew James B
Vice Chair |
+ 23
|
26.08 USD |
|
8 years ago
Jan 12, 2016
|
Sell 1.27 K USD
|
Kelligrew James B
Vice Chair |
- 48
|
26.475 USD |
|
5 years ago
Nov 07, 2019
|
Sell 982 USD
|
Kelligrew James B
Vice Chair |
- 39
|
25.186 USD |
|
8 years ago
Jan 13, 2016
|
Sell 424 USD
|
Kelligrew James B
Vice Chair |
- 16
|
26.475 USD |
|
3 years ago
Dec 23, 2020
|
Sell 34.6 K USD
|
Kelligrew James B
Vice Chair |
- 742
|
46.577 USD |
|
1 year ago
Dec 15, 2022
|
Sell 37.1 K USD
|
Kelligrew James B
Vice Chair |
- 868
|
42.729 USD |
|
1 year ago
Aug 10, 2023
|
Sell 550 K USD
|
Welsh Timothy A
Vice Chair |
- 13816
|
39.793 USD |
|
1 year ago
Aug 08, 2023
|
Sell 1.03 M USD
|
DOLAN TERRANCE R
Vice Chair & CFO |
- 26000
|
39.753 USD |
|
1 year ago
May 08, 2023
|
Bought 497 K USD
|
Kelligrew James B
Vice Chair |
+ 16260
|
30.595 USD |
|
1 year ago
May 05, 2023
|
Bought 607 K USD
|
McKenney Richard P
Director |
+ 20000
|
30.366 USD |
|
1 year ago
Apr 28, 2023
|
Bought 1 M USD
|
Wine Scott W.
Director |
+ 30438
|
32.85 USD |
|
1 year ago
Apr 21, 2023
|
Bought 341 K USD
|
Colberg Alan B.
Director |
+ 10000
|
34.138 USD |
|
1 year ago
Dec 12, 2022
|
Sell 3.7 M USD
|
CECERE ANDREW
Chairman, President and CEO |
- 84948
|
43.508 USD |
|
2 years ago
Nov 18, 2022
|
Sell 650 K USD
|
DOLAN TERRANCE R
Vice Chair & CFO |
- 15000
|
43.34 USD |
|
2 years ago
Nov 08, 2022
|
Sell 834 K USD
|
Welsh Timothy A
Vice Chair |
- 19000
|
43.915 USD |
|
2 years ago
Nov 07, 2022
|
Sell 5.1 K USD
|
Stark Lisa R
EVP and Controller |
- 118
|
43.2 USD |
|
2 years ago
Nov 07, 2022
|
Sell 518 K USD
|
DOLAN TERRANCE R
Vice Chair & CFO |
- 12000
|
43.137 USD |
|
2 years ago
Nov 08, 2022
|
Sell 1.2 M USD
|
von Gillern Jeffry H.
Vice Chair |
- 27183
|
43.99 USD |
7. News
8. Profile Summary
U.S. Bancorp USB-PQ
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 78.6 B
Dividend Yield
1.19%
Description
U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.
Contact
800 Nicollet Mall, Minneapolis, MN, 55402
https://www.usbank.com
IPO Date
Oct. 21, 2020
Employees
70000
Officers
Mr. Shailesh M. Kotwal
Vice Chairman of Payment Services
Ms. Jennifer Ann Thompson C.F.A.
EVice President, Head of Corporate Finance and Director of Investor Relations & Economic Analysis
Mr. James L. Chosy
Senior EVice President & General Counsel
Mr. Timothy A. Welsh
Advisor
Mr. Andrew J. Cecere
Chairman & Chief Executive Officer
Mr. John C. Stern
Senior Executive Vice President & Chief Financial Officer
Mr. Souheil S. Badran
Senior EVice President & Chief Operating Officer
Mr. Dilip Venkatachari
Senior EVice President and Chief Information & Technology Officer
Mr. Terrance Robert Dolan
Chief Administration Officer & Vice Chair
Ms. Gunjan Kedia
President and Vice Chairman of Wealth, Corporate, Commercial & Institutional Banking