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Analyst

Emily Ericksen

Citigroup · covers Financial Services

Period: Reporting period mapped to calendar 2025 Q4.

Limited coverage. Only 2 questions of coverage. Treat these numbers as directional — sample too small for reliable averages.
Questions
2on tracked calls
Challenge rate
0%none of 2 questionsLimited sample
Companies
1questioned at least once
Reporting periods
1with questions

These figures cover the whole profile: every tracked question, all reporting periods.

How to read these numbers

Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.

Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.

No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.

Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.

Small samples. Profiles with fewer than 10 questions are marked Limited sample.

Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.

Questions asked

Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.

Showing 2 of 2 questions from 1 company

BNYBNY Mellon2 questions · 1 reporting period · 0 of 2 challenging
BNY company page →

Calendar 2025 Q4

the balance between what you're able to harvest in efficiency savings relative to the incremental investments

Cost PressureMarginTranscript · FY2025 Q4 →
Show response

CFO emphasized guiding 100+ bps positive operating leverage for first time. $500M annual efficiency savings reinvested in business growth for three consecutive years. Expense guide of 3-4% reflects continued agile investment approach.

Is there room for significant NIM expansion to support that 5% plus on the NII side

Revenue GrowthMarginTranscript · FY2025 Q4 →
Show response

CFO confirmed NIM expected to grind higher through 2026 without quantifying magnitude, maintaining characteristic conservatism on NII forecasting.

Challenge rate by company

Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.

CompanyQuestionsChallenge rate
BNY BNY Mellon2—Rate withheld: fewer than 3 questions
  • BNY
    BNY Mellon · 2 questions
    —rate withheld: under 3 questions

Activity by reporting period

Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.

Questions by calendar reporting period
Calendar periodQuestionsChallenge rateCompanies
2025 Q420%none of 2 questions1
  1. 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company

Topics

Topics tagged on this analyst’s questions.

  • Margin2
  • Cost Pressure1
  • Revenue Growth1