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Analyst
Thomas Leddy
Period: Reporting periods mapped to calendar 2024 Q4 – 2025 Q2 (3 quarters; questions recorded in 2).
- Questions
- 11on tracked calls
- Challenge rate
- 9%1 of 11 questions
- Companies
- 5questioned at least once
- Reporting periods
- 2with 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 11 of 11 questions from 5 companies
FITBFifth Third Bancorp4 questions · 2 reporting periods · 1 of 4 challenging
Calendar 2025 Q2
can you just give us your thoughts on stable coins and how broader adoption could impact both your payments business and deposit levels?
Show response
Tim was bullish on cross-border use cases via Newline platform but skeptical of domestic payments threat since credit card rewards and liquidity features don't exist on stablecoin rails.
Can you just share your thoughts on the potential benefits specifically for Fifth Third from the expected regulatory relief we might see
Show response
Tim expects benefits from stress test transparency, Basel III gold-plating rollback, and more rational liquidity rules. Cautioned about nonbank competition also gaining regulatory relief.
Calendar 2024 Q4
can you give us any color on the uptick we saw in C&I non-accruals this quarter?
Show response
Greg Schroeck explained no concentration risk; largest NPA inflow expected to pay off or pay down within H1 2025.
Could you just give us a little more color on what your outlook is for deposit rates in 2025, assuming the Fed is finished cutting?
Show response
Bryan detailed $8B in CDs maturing Q1 at 4.3% giving repricing flexibility, with deposit competition potentially ticking up if loan growth accelerates.
BNYBNY Mellon2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2024 Q4
what are the primary risks you guys are monitoring for your businesses
Show response
CEO gave a comprehensive risk assessment covering geopolitical tensions, policy uncertainty, higher rates, and cyber risk, but balanced with optimism about pro-growth US policy agenda.
how increased trading volatility attributed to the dynamic interest rate environment might impact your servicing fee revenue
Show response
CFO highlighted clearance and collateral management as a direct beneficiary of increased volatility and treasury issuance, with record volumes flowing through the platform.
KEYKeyCorp2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2024 Q4
With this in mind, should we expect to see further releasing in 2025?
Show response
Clark expects stable to improving credit metrics through 2025 but no massive reserve releases. Book stable to improving assuming constructive macro.
Can you give us some color on what you're seeing in the C&I book?
Show response
Clark noted C&I loans stabilized with slight pickup but consistent pull-through of strong pipelines needed. Utilization at historically low levels.
NTRSNorthern Trust2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2025 Q2
can you give us your latest thoughts on stable coins and how broader adoption could impact both your businesses and then deposit levels?
Show response
O'Grady expressed excitement about digital assets evolution from stablecoins to tokenized assets, noted capabilities developed on private blockchains need extension to public blockchains, with tokenization already done for carbon credits.
Can you just share your thoughts on the potential benefits for Northern Trust more specifically from an expected relief?
Show response
O'Grady gave a broad answer about constructive environment across capital, liquidity, and operational risk regulation, emphasizing predictability, but did not quantify specific capital or cost benefits from expected relief.
TFCTruist Financial1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q2
what in your view is driving the generally strong credit results this quarter
Show response
Bender cited stabilization and resilience, CRE stress largely behind, and improved NCO guide to 55-60bps. Consumer confidence and spending trends key to forward outlook.
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.
| Company | Questions | Challenge rate |
|---|---|---|
| FITB Fifth Third Bancorp | 4 | 25%1 of 4 questions |
| BNY BNY Mellon | 2 | —Rate withheld: fewer than 3 questions |
| KEY KeyCorp | 2 | —Rate withheld: fewer than 3 questions |
| NTRS Northern Trust | 2 | —Rate withheld: fewer than 3 questions |
| TFC Truist Financial | 1 | —Rate withheld: fewer than 3 questions |
- FITBFifth Third Bancorp · 4 questions25%1 of 4 questions
- BNYBNY Mellon · 2 questions—rate withheld: under 3 questions
- KEYKeyCorp · 2 questions—rate withheld: under 3 questions
- NTRSNorthern Trust · 2 questions—rate withheld: under 3 questions
- TFCTruist Financial · 1 question—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”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2024 Q4 | 6 | 17%1 of 6 questions | 3 |
| 2025 Q1 | No questions recorded | — | — |
| 2025 Q2 | 5 | 0%none of 5 questions | 3 |
- 2024 Q46 questions · challenge rate 17% (1 of 6 questions) · 3 companies
- 2025 Q1No questions recorded
- 2025 Q25 questions · challenge rate 0% (none of 5 questions) · 3 companies
Topics
Topics tagged on this analyst’s questions.
- Regulation Policy3
- Credit3
- Innovation & R&D2
- Macroeconomic2
- Competitive Dynamics1
- Capital Allocation1
- Trade Tariffs1
- Revenue Growth1
- Pricing1
- Margin1
Show all 11 topics
- Demand1