Sees FY25: Average loans down 2%-5%, with ending loans flat vs. YE 2024. Sees adjusted noninterest income up 5%+ vs. FY24, with net charge offs to average loans 40-45bps. Sees NII up ~20%, 10%+ 4Q25 vs. 4Q24, 2.70%+ im 4Q25. Sees FY25 GAAP tax rate 21%-22%. Comments taken from investor presentation slides.
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