Inception

Winning Hearts, Minds, and Wallets Q3 marks the Inception of Future Banking Trends Pulse of the Week Lightbulb Moments Heading to Money 20/20? Let’s connect and say hi!   Vibe from each earnings call Amex: Youthful: Laser focused on growth among Millennials and Gen Zs BofA: Expansive: Mega growth, yet Average Line FICO 778 (better than prior quarter and YAG) Chase: Dominant: 2.5 Million new CC accounts booked. 82 million existing customers. Citi: Transformative: As Citi exits global markets, it's focus on the markets it operates in is higher. Discover: Changing: The new merged entity (DiscoOne, anyone?) will likely look bigger and bolder. PNC: Resilient: Diverse revenue streams offering the ability to navigate economic headwinds from a position of strength US Bank: Disciplined: Balance sheet optimization and strategic focus on profitability and long-term stability Wells Fargo: Adaptive: Embracing digital growth, Wells is optimizing its branch network to meet evolving consumer preferences