While we continue to make meaningful investments across the franchise to support long-term growth, we remain focused on maintaining a disciplined approach to expense management.

Apr 17, 2026 / receipt, needs a key / John, CEO | earnings call 2026-04-17 | transcript 329f5617-3249-4cac-bb51-c59800fb3fa6 | chars 10773-10950 | segment 11

And then my comment is, Dana, I just want to say thank you for all the help over the years and enjoy taking care of your grandchild and doing some traveling.

Apr 17, 2026 / receipt, needs a key / Ryan Nash, analyst | earnings call 2026-04-17 | transcript 329f5617-3249-4cac-bb51-c59800fb3fa6 | chars 17583-17740 | segment 18

We've known it and as a result we started working on our expense management and our continuous improvement program throughout 2023. You know, this particular quarter, unfortunately, we had some things that, you know, the fraud, pension settlement. We had some equipment and software costs that won't repeat at the level that we had and some professional fees that we incurred that we don't think will be repeated. That being said, we're going to need to even double down on expense management for 2024. We're not going to give you guidance for that, but I think suffice it to say our reported number that we have for 20, we should be able to have our number in 2024 to be underneath our reported number for 2023.

Oct 20, 2023 / receipt, needs a key / CFO, CFO | earnings call 2023-10-20 | transcript ebd8c947-77f0-4b04-b13d-b982b80db9d6 | chars 22619-23331 | segment 23

If you go back and look at our compound annual growth rate on expense management, we've actually done a pretty good job of controlling our expenses. And we don't do that in just one area, but it's salaries and benefits and furniture fixtures and equipment and occupancy and vendor spend. All those things, we are all over.

Jan 20, 2022 / receipt, needs a key / David Turner, CFO | earnings call 2022-01-20 | transcript d2e8380d-d71f-4e05-8c16-700cbabce24e | chars 24157-24479 | segment 24

You know, I think you're going to see us continue the trend that we have. We're going to consolidate branches when it makes sense. We're going to make investments in markets that we think where we build out our density. And so you'll continue to see some new branches. You know, the power of the new branches, we're really contributing disproportionately to our growth from those de novo branches. But we also have to acknowledge the fact that we do have investments in digital that are important as well. So I think as we optimize our branch footprint, we're going to look for consolidation opportunities where we can take you know, two for one or three for one branch consolidation where it makes sense in a given market to be as efficient as we can while maintaining access for our customers. We don't want to have them travel too far to our branches. So, you know, we're going to continue to optimize our retail network as you have seen us do over time.

Jul 23, 2021 / receipt, needs a key / David, CFO | earnings call 2021-07-23 | transcript bad79a0d-36bc-446c-bed1-596fdb270a6f | chars 20419-21376 | segment 20

As I've begun to travel our footprint again and meet with customers, I see them gaining confidence in the economic recovery and their own business plans. I've seen the strength of our markets firsthand.

Jul 23, 2021 / receipt, needs a key / John, CEO | earnings call 2021-07-23 | transcript bad79a0d-36bc-446c-bed1-596fdb270a6f | chars 1614-1816 | segment 1

We have a proven track record of prudent expense management. Since announcing our continuous improvement initiative in 2016, we've held adjusted expenses relatively flat while continuing to invest in technology, products, and people to grow our business.

Oct 20, 2020 / receipt, needs a key / David, CFO | earnings call 2020-10-20 | transcript bc51cbbb-314d-4503-8a3f-630c3cfd5156 | chars 9142-9396 | segment 9

We have to watch travel and entertainment, and that's coming down because of COVID.

Oct 20, 2020 / receipt, needs a key / David, CEO | earnings call 2020-10-20 | transcript bc51cbbb-314d-4503-8a3f-630c3cfd5156 | chars 37928-38011 | segment 38

Over the next 3 years, will invest in Talent across the Footprint in key areas of opportunity: By hiring and converting skilled Bankers with local market expertise

ir_statement / Sep 17, 2026 / receipt

Priority markets include: Tampa, Orlando, Miami/SFL, Houston, Dallas/FW, Nashville, Atlanta, and Huntsville.

ir_statement / Sep 17, 2026 / receipt

Reallocating Branch Bankers to Optimized Markets with Greatest Growth Potential

ir_statement / Sep 17, 2026 / receipt

Enhanced capabilities of Internal Portfolio Team through release of Internal Trade Request tool (ITR), ITR will allow for more efficient tracking and utilization of portfolio management

ir_statement / Sep 17, 2026 / receipt

Reskilling ~600 bankers to align talent depth with highest opportunity across key customer segments, including small business, mass affluent and young adult

ir_statement / Sep 17, 2026 / receipt

targeting 60% of banker hires by YE25

ir_statement / Sep 17, 2026 / receipt

Salaries & benefits increased 2%, reflecting higher health insurance-related costs, revenue-based incentives, and growth initiative hires

ir_statement / Sep 17, 2026 / receipt

We now expect FY25 adjusted NIE (inclusive of investments) to be up ~2%; Anticipate generating full-year adjusted positive operating leverage closer to the lower end of our 150 - 250bps range

ir_statement / Sep 17, 2026 / receipt

Associate headcount-full-time equivalent 19,969

ir_statement / Sep 17, 2026 / receipt

Efficiency ratio 56.9 %

ir_statement / Sep 17, 2026 / receipt

Launched generative AI copilot within RCLIQ, building on existing AI-powered insights that have influenced over 35% of new business(1)

ir_statement / Sep 17, 2026 / receipt

Ongoing investment in experienced, revenue-producing talent to support growth, with 65 client-facing roles hired since beginning of 2025

ir_statement / Sep 17, 2026 / receipt