EFTA01466222Set 10
2013-10-153p800w
First Republic Bank
Alert
Reuters
Bloomberg
FRC.N FRC UN
Exchange
NYS
Ticker
FRC
Core NIM Upside in FY14, Growth
Normalizing But Still Strong
Reiterate Buy: TP +$4 to $52, Core ... than expected expenses
and tax rate, which more than offset a lower expected core NIM and mortgage
banking. While FRC expects asset growth to slow to a rate more ... core NII gr. with
the
backdrop of a generally stable-to-expanding core NIM in FY14. With the
variability of mortgage banking largely removed from core EPS trends going
forward
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01466222.pdf
EFTA00814029Set 9
2016-10-203p629w
/cons $0.81) on better expenses of 7c ($2.67Bn v.
MSe $2.75Bn), better NIM (1.04% v. MSe 0.96%), and better credit (provision of
-$19mn v. MSe +$5mn)Lower expense ... business development expenses, partially
offset by staff and distribution and servicing expenses Better NIM driven by reinvesting
cash into RMBS and other securities, shrinking IEA ($297Bn v. MSe $322Bn) Modest ... expense and balance
sheet strategy. Stock likely trade up Positives:4c beat on NIM on smaller book and
higher-yielding asset exposure7c beat on expenseProvision 2c better on net recovery
https://www.justice.gov/epstein/files/DataSet%209/EFTA00814029.pdf
EFTA01782578Set 10
2016-04-213p530w
Investor Day targets in
a tough top-line =nvironment.Nll is light on slightly lower NIM (0.99% vs. MSe 1.00%).Fee =ncome is better on higher
clearing revs.Credit in-line with ... beat on stronger dollar and
=ost save initiatives.Negatives:Nll 1c lower on slightly lower NIM =0.99% vs. MSe 1.00%).Taxes lc worse.Key Questions
for the Call:Excess =eposit runoff ... resultant SLR progress, NIM outlook, BlockChain =nitiatives, Massachusetts
settlement from NAV malfunction, asset =anagement boutique expansion plans, plans to manage client AUM ahead of
=ct MMF reform, opportunity to return
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01782578.pdf
EFTA01264713Set 10
2020-03-01451p34,197w
NIM APPLE,IPHONE8
267,04/28/20 21:03:10,0:17,36:49,19785258484,13036196231,3587080982063726,310410214827503,MO,[Wi-
Fi:NIOR] APPLE,IPHONE8
268,04/28/20 ... NIM APPLE,IPHONE8
271,04/28/20 23:45:33,0:22,0:00,19785258484,13038983895,„MT,[Wi-Fi:NIOR]
272,04128/20 ... NIM APPLE,IPHONE8
275,04/29/20 00:07:11,0:22,0:00,19785258484,13038983895,„MT,[Wi-Fi:NIOR]
276,04/29/20
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01264713.pdf
EFTA02384911Set 11
2016-07-213p564w
bette= credit (provision of -$9mn vs. MSe +$8mn).Top-line 3c weaker on lower NIM (=.97% vs. MSe 1.02%) and
weaker than expected FX revs (BK calling out lower ... nature of the provision line a= trust banks.Taxes is better.Negatives:Nll lc
worse as NIM came in weaker t=an expected (0.97% vs. MSe 1.02%).Fee income 2c worse ... income.Key Questions for the Call:Excess deposit runoff and resul=ant SLR progress, NIM outlook, BlockChain
initiatives, asset management bou=ique expansion plans, plans to manage client AUM ahead
https://www.justice.gov/epstein/files/DataSet%2011/EFTA02384911.pdf
EFTA01436457Set 10
2018-07-197p997w
external shocks. In this note, we opt to look at (1) how
sensitive margins (NIM) and earnings could potentially lower external debt
rollover, (2) we stress-test our revenue ... costs increase an 'additional' 100bps, this would mean
our earnings would be c.10% lower (NIM: -30bps), with Vakifbank (-14%), Yapi
Kredi (-12%), and Isbank (-10%) relatively more sensitive ... weaker lira, and hike in TRY rates all indicate that the risks to our
NIM estimates are on the downside, we believe the external refinancing risk
is very
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01436457.pdf
EFTA00173953Set 9
2015-05-1869p13,551w
attached Offline NCIC file, i.c. - Offline
NCIC Results for Target I IMMIDD(fYYY HH:NIM:SS).xls", which provides the dateline and Agency ORI terminal the target was queried.
When ... attached Offline NCIC file. i.e. - Offline
NCIC Results for Target I INIMIDD(YYYY HH:NIM:SS).xls", which provides the datetime and Agency ORI terminal the target was queried.
When ... Offline NCIC file. i.c. "Offline
NCIC Results for Target I (MM./DDrf YYY HH:NIM:SS).xls", which provides the datetimc and Agency ORI terminal the target was queried.
When
https://www.justice.gov/epstein/files/DataSet%209/EFTA00173953.pdf
EFTA02187686Set 10
2011-06-151p184w
Lesley Groff
Sent Tue 6/28/2011 6:52:19 PM
Subject: Re: Evite for Project Nim
thank you!
On Jun 28, 2011, at 2:51 PM, Stephanie wrote:
Here ... Sent: Wednesday, June 15, 2011 12:45 PM
To: RSVP
Subject: Evite for Project Nim
Having trouble viewing this email? Click the link below.
tatto://www.homeboxoffice.com/evitesioroiectnimievitenim.ima
Please consider
https://www.justice.gov/epstein/files/DataSet%2010/EFTA02187686.pdf
Stephanie <
Sent: Tuesday, June ,
To: jeevacation@gmail.com
Cc: Lesley Groff
Subject: FW: Evite for Project Nim
Here is our event tomorrow evening.
From:=/b> =ndres Fernandez On Behalf Of RSVP
Sent ... Wednesday, =une 15, 2011 12:45 PM
To: RSVP
Subject: Evite for =roject Nim
=aving trouble viewing this email? Click the link =elow.
http://www.homeboxoffice.com/evites/projectnim/ev=tenim.jpg
</=iv>
<mailto:RSVP@peggysiegal.com>
This
https://www.justice.gov/epstein/files/DataSet%2010/EFTA01791793.pdf
EFTA02376144Set 11
2017-04-203p573w
till an
improvement from prior quarters: 47bps improvement q/q, and =30bps improvement y/y. NIM in line with our estimate
at 1.13%, up 3bps =/q on an adjusted basis (4Q16 ... Questions
for the Call:Expense miss, fee pressure, NEXEN =onetization, asset management boutique model, NIM outlook, excess
=eposit runoff, duration extension opportunities, implications of tax =epatriationCall Details:Today
https://www.justice.gov/epstein/files/DataSet%2011/EFTA02376144.pdf
EFTA00823716Set 9
2016-07-193p626w
partially offsetting this benefit with lower NIM and lower fees. We are also
keeping our 2018 expenses at $53.5B, above management's guidance of $53B.On NII,
we are baking ... 4Q17), coupled with 3-5% loan growth. We take core NIM down 6bps to
2.18% next quarter, and keep it flat through year end 2017, growing to 2.25% in
2018.This
https://www.justice.gov/epstein/files/DataSet%209/EFTA00823716.pdf
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https://www.justice.gov/epstein/files/DataSet%2010/EFTA01479820.pdf