Sees FY26 provision for credit losses $55M-$75M. Sees FY26 non-interest income $285M-$300M. Sees FY26 non-interest expense $800M-$835M. Sees FY26 effective tax rate 18.5%-19.5%. Says net interest income outlook reflects mid-single-digit organic loan growth plus Blue Foundry Bancorp acquisition. Says FY26 non-interest expense outlook assumes Blue Foundry Bancorp operating non-interest expense of approximately $27M. Comments and guidance taken from Q1 investor presentation slides.
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