While we can't control for the macro environment, we are intently focused on controlling what we can and have several levers, including rigorous expense management, opportunistic hiring for deposit and loan growth, and proactive asset quality management.

Apr 18, 2024 / CEO / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2024-04-18 | transcript b84923db-3090-430e-a7bc-9fc2a29aac41 | chars 13865-14119 | segment 14

We expect that in 2024, the operating environment will continue to be challenging. While we cannot control the macro environment, we are focused on controlling what we can and have several levers, including rigorous expense management, opportunistic hiring for deposits and loan growth, and de-risking the balance sheet.

Jan 25, 2024 / CEO / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2024-01-25 | transcript 4267d170-f576-4993-84a5-251eec33bd12 | chars 14705-15025 | segment 15

While we can't control the macro environment, we are focused on controlling what we can and have several levers, including opportunistic hiring, de-risking our balance sheet, and prudent expense management.

Jul 20, 2023 / CEO / receipt, needs a key / Nitin Mahatre, CEO | earnings call 2023-07-20 | transcript 4b9c8692-8635-49c7-9a59-bf8c0b547d25 | chars 16231-16437 | segment 16