Janet Lee

“Following up on provision and the forward curve, so is it as simple as if we don't get a rate hike in December, your provision forecast would be lower?”

“Given the seasonality of public deposits in the third quarter, it seems like it may come down in the fourth quarter. What is the implication on the deposit cost?”

“Sorry for the technological mishap earlier. If we take your 2027 guidance, quick and dirty math shows that 2027 PPNR may be down a little bit versus 2026, but obviously you've talked about like efficiency ratio staying very strong and you're focused on improving your ROTC.”

“I want to unpack a little bit about the decline in core CNI ex-LMC. You talked about how the line utilization dipped in July and August before rebounding again in September.”

“You reviewed the remaining CCBX portfolio and did not identify a comparable issue as of quarter end. Could you talk about when you found out the issue about this troubled partner, and did you review the rest of the CCBX portfolio after that, or how frequently do you do those kind of reviews?”