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    John Rob

    Research Analyst at Barclays PLC

    Extensive research does not show any evidence of a John Rob serving as an analyst or holding a titled analyst position at Barclays PLC. No LinkedIn profile, analyst ranking, coverage record, or professional credential for a Barclays analyst by this name is publicly available. As a result, there are no documented details about their job title, companies covered, performance, career timeline, or licenses, and no notable achievements or recognition can be verified.

    John Rob's questions to OLD NATIONAL BANCORP /IN/ (ONB) leadership

    John Rob's questions to OLD NATIONAL BANCORP /IN/ (ONB) leadership • Q1 2025

    Question

    John Rob, on behalf of Jared Shaw, inquired about the Net Interest Income (NII) outlook following the Bremer acquisition, specifically asking if better day-one capital implies less accretion. He also questioned if the 40% deposit beta guidance includes Bremer and sought a normalized run-rate for other fee income.

    Answer

    Executive James Ryan clarified that the 2025 guidance still uses original M&A assumptions, including a $2.4 billion loan sale. He noted that higher day-one capital will likely reduce the size of this sale, offsetting lower purchase accounting accretion. He also confirmed the 40% deposit beta guidance is for core Old National only, with more room for cost reductions. For other fee income, he advised backing out one-time gains of approximately $8 million from Q4 and $5 million from Q1 to establish a clean run-rate.

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