Company Reports

Launch NTRS 2Q15: Growth with Less VISA


Strong business growth in custody and asset management provided earnings lift.  Lower capital constraints allows it to pick up European excess deposits shed by others in bid to grow business.  Money market funds still affecting profitability.

Credit Suisse 2Q15 Ahead: Thiam Talks, Full Vision TBD


Credit Suisse’s new CEO Thiam will focus on Global Wealth Mgt. highly integrated with Global Investment Banking pivoted to the fast growing APAC region. A more formal repositioning review to come this Fall, but this early-vision is not unique among global banks in a highly competitive arena.

BNY Mellon 2Q15: Operations Reform Good for Growth


Solid business growth and expense reduction propelled higher profitability.  Structural changes in business operations are increasing growth and lowering costs.

Citigroup 2Q15 FI Call:  GSIB Buffer Baked In


Citi’s GSIB surcharge is lower than expected, driving down expected TLAC needs.  Balance sheet management from asset sales in Citi Holdings to bond redemptions should improve profitability, lower RWA and reduce TLAC needs.

Fifth Third 2Q15: Digital Destruction of Regional Branches


FITB shows some loan growth, but not very convincing. Downsizing branches as digital banking breaks down the branch usage. 

Regions 2Q15: Dodges Energy Bullet, Not Much Growth


RF skirted the energy spike that nailed Comerica this quarter. Still, the loan growth and better fee income may not be sustainable. High SNC concentration is a worry.

Morgan Stanley 2Q15:  More Progress, More Debt Cost Declines


Strong performance from all business segments lifted Morgan Stanley core operating income.  Positive operating leverage and improved mix of lower risk, lower volatility businesses helping profile of company.

Launch CMA 2Q15: Credit Controversy, Energy Spikes 


Comerica has stirred up the credit controversy pot as its energy patch lending cracks more than other banks. Higher criticized loans and provisions draw attention, though the company should be able to navigate through it.

Launch Synchrony: Getting Its Indie Sea Legs


SYF is growing across multiple consumer sectors with tried and tested value proposition, which is innovation through digital products for entering fully into the online banking space. 

SunTrust 2Q15:  Remix of Loans and Deposits


STI is making strides on executing strategic objectives.  Profitability is up, but still below better performing regional banking peers.  Loan and deposit mix changes are helping interest margins and asset quality.  Cost cutting is still major part of profitability drive.

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