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Wells Fargo & Company (WFC) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

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Wells Fargo & Company (WFC) Goldman Sachs 2025 U.S. Financial Services Conference December 9, 2025 8:00 AM EST

Company Participants

Charles Scharf – CEO & Chairman

Presentation

Unknown Analyst

Okay. So good morning, everybody. Welcome to the 36th Goldman Sachs Annual Financial Services Conference. Delighted that you can all be with us here this morning. There’s about 1,000 clients that are attending this event. That’s up 10% compared to last year. And there’s 125 companies participating. We just added up the market cap. It’s almost close to $6 trillion of market cap, which is obviously ahead of where we were last year.

I am delighted to welcome Charles Scharf to kick off the conference. Charlie needs no introduction. He is Chairman and CEO of Wells Fargo. He has presented at this conference every year since you have been CEO. And actually, you’ve kicked off this conference pretty much every year. So I guess this is a tradition, and we really, really appreciate you being with us this morning.

Question-and-Answer Session

Unknown Analyst

So maybe we can just start off with a discussion about the macro backdrop. You’ve been very consistent in saying that the consumer remains resilient, that spend trends have been steady. What have you seen in the fourth quarter? And at a high level, what are you expecting in terms of corporate and consumer behavior next year? And any thoughts on the path for the trajectory of the economy as we head into ’26?

Charles Scharf
CEO & Chairman

Sure. Well, thanks for having me. It’s great to be here. Listen, it’s just a lot more of the same. And there’s not any real new news here. Other than what I always continue to say is kind of what you see on TV in terms of what the concerns are and what we

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