Q4 2025 EQB Inc Earnings Call Transcript

Dec 4, 2025 / 03:30 PM GMT

Release Date Price: $69.68 (+12.57%)

Transcript

Key Points

Positve

EQB Inc (EQGPF) achieved 10% year-over-year growth in total loans under management, driven by a 36% increase in their off-balance sheet, CMHC insured multi-unit residential mortgage business.
EQ Bank, a key asset for EQB Inc (EQGPF), saw an 18% increase in customers and a 10% growth in deposits, reaching nearly $10 billion in deposit balances.
The company launched a small business banking offering, which has already accumulated $140 million in business deposits by the end of October.
EQB Inc (EQGPF) was named the top bank brand in Canada by the Financial Times, The Banker magazine, highlighting its strong market position.
The acquisition of PC Financial and the partnership with Loblaw are expected to be transformative, enhancing EQB Inc (EQGPF)'s market position as Canada's largest challenger bank.

Negative

EQB Inc (EQGPF) faced a challenging year with a decline in diluted EPS and return on equity, impacted by higher provisions for credit losses and increased expenses.
The company reported a restructuring charge of $92 million, which, while aimed at future savings, reflects current financial strain.
Credit losses were elevated in Q4 2025, with higher performing provisions for credit losses in personal and commercial lending.
The efficiency ratio increased by 570 basis points, indicating rising costs relative to revenue.
Gross impaired loans increased by 7% quarter over quarter, driven by macroeconomic conditions and elongated resolution times for commercial loans.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

EQB.TO - EQB Inc
Q4 2025 EQB Inc Earnings Call
Dec 04, 2025 / 03:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to EQB's earnings call for the fourth quarter of 2025. This call is being recorded on Thursday, December 4, 2025. At this time you are in a listen-only mode. Later we will conduct a question-and-answer session for analysts. Instructions will be provided at that time. It is now my pleasure to turn the call over to Lamar Prasad, Vice President and head of investor relations. Please go ahead.

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Unidentified_2 [2]
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Thank you, Ludi, and good morning everyone. Your hosts for today's Q4 results call are Chadwick Westlake, President and CEO, Annalisa Sunani, CFO,

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