Sees FY26: NII up 8%-10%; NIM 3%-3.05%; noninterest income up 3%-4%; adjusted noninterest income up 5%-6%; adjusted noninterest expense up 3%-4%; Average loans up 1%-2%; Average commerical loans up 5%; NCOs to average loans 40-45 bps; GAAP tax rate 22%. Comments taken from Q4 investor presentation slides.
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