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    Brian Mozenski

    Research Analyst at Morgan Stanley

    No definitive data is available regarding Brian Mozenski as an analyst at Morgan Stanley. Despite extensive searching, there are no credible sources or LinkedIn profiles confirming his employment at Morgan Stanley as an analyst, nor are there details found on coverage area, performance metrics, professional history, or securities credentials. It is possible the name is misspelled or this individual does not have a significant, publicly documented presence in equity research at Morgan Stanley.

    Brian Mozenski's questions to VALLEY NATIONAL BANCORP (VLY) leadership

    Brian Mozenski's questions to VALLEY NATIONAL BANCORP (VLY) leadership • Q4 2024

    Question

    Brian Mozenski, on behalf of Manan Gosalia, inquired about the impact of the evolving yield curve shape on Valley's Net Interest Income (NII) outlook and sought clarification on the updated reserve ratio target for year-end.

    Answer

    An executive, Travis Lan, explained that the NII outlook was revised upward due to three key factors: a more beneficial yield curve shape, a stronger year-end funding position from significant direct deposit growth, and greater success in reducing customer deposit costs following Fed rate cuts. Regarding reserves, Lan stated the new 1.20% to 1.25% range reflects a slowdown in criticized asset migration and the anticipated balance sheet shift from CRE to C&I loans.

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