Company not found (HBANP)

In Q1, you achieved a 37% deposit beta—far exceeding prior guidance; how sustainable is this performance if competitive pressures force further rate concessions, and what specific adjustments are you planning if market conditions change? " "

You mentioned that the new initiative loan yields are coming in line with overall production yields without aggressive pricing; can you provide detailed metrics on these yields versus traditional portfolios and explain how they will support your margin expansion strategy? " "

With a $1 billion buyback authorization and a history of prioritizing growth investments, under which specific market conditions would you shift capital allocation toward buybacks, and what impact would that have on your liquidity and capital ratios? " "

Given your hedging program delivered a 4 basis point benefit in Q1 and is expected to remain neutrally positioned for the rest of the year, what contingency measures are in place if unexpected rate volatility forces you to adjust your hedging strategy mid-year? " "

Your quantitative CECL model incorporates multiple economic scenarios; how sensitive are your reserve levels to a sharper-than-expected economic downturn, and what preemptive actions will you take if these downside risks begin to materialize more aggressively? " "