| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 20, 2026 | 8/12 | 2 medium, 2 low flags | 1 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | FY2026 core NCO guidance of 25-35 basis points FY2026 not ended; Q3 actual of 30bps is within range and guidance was reaffirmed, with Q4 expected similar. |
| Q3'26 | Missed | ACL ratio expected to see 'a comparable increase' of about two basis points in Q3 and Q4 The reported four-basis-point increase was larger than the approximately two-basis-point expectation. This is a forecast variance, not evidence that larger reserves are inherently good or bad. |
| Q3'26 | Delivered | Resolution of third and fourth of six identified non-accrual credits by end of Q3 2026, with final two in Q4 Q3 call confirms two additional credits resolved this quarter (bringing total resolved to four of six), consistent with the prior timeline, with the remaining two now on a 'glide path' before year-end as originally planned. |
| Q3'26 | Pending | FY2026 NII growth guidance of 12-14% FY2026 not yet ended; guidance cut to 11-12% this quarter, a revision rather than a miss. |
| Q3'26 | Pending | H2 2026 share repurchase target of $150 million Period not yet ended (through Dec 31, 2026); $92 million executed in Q3 alone and management states they 'remain on track'. |
| Q3'26 | Pending | FY2026 deposit growth guidance of $6 billion FY2026 not yet ended; guidance was revised down to $3.5-4 billion this quarter, a cut not a miss. |
| Q3'26 | Pending | FY2026 loan growth guidance of $5 billion FY2026 not yet ended; guidance was revised lower by an additional $1 billion this quarter, a cut not a miss under the period-not-ended rule. |
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