BankUnited, Inc. - BankUnited, Inc. (BKU)第四季度每股收益为0.72美元，与Zacks Consensus Estimate一致[1] - BankUnited, Inc.第四季度营收为2.343亿美元，低于Zacks Consensus Estimate 4.02%[4] - BankUnited, Inc.股价自年初以来下跌约7.2%[6] - BankUnited, Inc.的盈利前景被评为Zacks Rank 2 (Buy)，预计未来股价将表现优于市场[9] MetLife - 预计MetLife (MET)将在1月31日发布截至2023年12月的季度业绩报告，预计每股收益为1.95美元，同比增长+25.8%[13]

银行联合公司财报 - 预计银行联合公司将在下一份报告中宣布每股收益为0.72美元，同比下降12.2%[1] - 分析师预计'平均利息收入资产'将达到340.9亿美元，与去年同期相比下降了3.0%[6] - 银行联合公司股票在过去一个月中表现为-7.5%，相比于Zacks S&P 500综合指数的+2.1%变化[16]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 Commission File Number: 001-35039 BankUnited, Inc. (Exact name of registrant as specified in its charter) Delaware 27-0162450 (State or other jurisdiction of incorporation or organization) (I.R.S. ...

财务数据和关键指标变化 - 净利息收益率(NIM)从2.47%上升至2.56%,连续3个月呈现温和上升趋势 [12][13] - 非利息性存款(NIDDA)占总存款比例稳定在28%左右,公司预计未来几个季度该比例将进一步提升至30%以上 [14][15] - 净贷款损失率维持在较低水平,为7个基点 [16] - 不良贷款率为40个基点,剔除SBA担保部分后为11个基点 [16] - 累计损失准备金率从0.68%上升至0.80% [45][46] 各条业务线数据和关键指标变化 - 住房贷款余额下降2.25%,公司将继续保持该趋势 [82] - 商业贷款(C&I)余额增长100百万美元,但剔除退出的300百万美元非核心业务后,实际增长较好 [82][83] - 商业房地产贷款(CRE)余额增长46百万美元,但未来增长可能会放缓,因交易活动有所减少 [82][83] - 小企业贷款和设备融资业务持续下降 [82] - 抵押贷款仓储业务下降116百万美元,受住房市场整体疲软影响 [34] 各个市场数据和关键指标变化 - 佛罗里达州市场表现良好,尤其是迈阿密、棕榈滩和坦帕等地区的郊区办公楼 [130] - 纽约州市场,曼哈顿地区办公楼出租率维持在95%,未来12个月租约到期比例仅5% [128][129] 公司战略和发展方向及行业竞争 - 公司正在积极调整资产负债结构,将住房贷款占比从高位下降,同时增加商业贷款占比 [82][83] - 公司正在优化贷款组合,主动退出一些非核心、收益较低的商业贷款业务,以提高整体收益水平 [80][81][83] - 公司正在大力拓展非利息性存款,尤其是活期存款,目标是将活期存款占比提升至30%以上 [14][15][73] - 公司认为目前经济环境仍然良好,但未来可能出现温和衰退,因此正在审慎积累贷款损失准备金 [21][45][46] 管理层对经营环境和未来前景的评论 - 管理层认为美联储加息周期已接近尾声,未来加息幅度可能较小 [22] - 管理层认为当前经济环境整体良好,但消费者可支配收入增速放缓,未来可能出现温和衰退 [23] - 管理层表示,监管环境整体平稳,未来可能会带来一些额外合规成本,但不会构成重大影响 [23][24] 问答环节重要的提问和回答 问题1 **Will Jones 提问** 提问的内容:公司为何持续增加贷款损失准备金,是否反映了资产组合的潜在风险 [55][56][57] **Raj Singh 和 Leslie Lunak 回答** 回答的内容:增加准备金主要是由于Moody's经济预测模型中对未来经济前景的悲观预期,特别是对利率水平的预测,而不是反映公司资产组合的实际风险状况 [59][60][61][62] 问题2 **Graham Dick 提问** 提问的内容:公司是否还有进一步优化贷款组合的计划,以及对未来贷款规模的预期 [80][81][82][83] **Raj Singh 和 Tom Cornish 回答** 回答的内容:公司将继续优化贷款组合,主动退出一些收益较低的非核心业务,同时重点发展商业贷款和小企业贷款,但整体贷款规模可能会保持相对平稳 [82][83][84][85][86][87] 问题3 **John Arfstrom 提问** 提问的内容:公司未来希望将资产负债表调整至何种目标结构 [117][118] **Raj Singh 回答** 回答的内容:公司希望将资产负债表的结构调整至接近2018-2019年的水平,即将住房贷款占比降低,同时提高活期存款占比至32%-33% [117][118]

Period-end Non-interest DDA $7,357 $7,305 $8,794 $52 $(1,437) YoY impacted by cyclicality in residential real estate sector | --- | --- | --- | --- | --- | --- | --- | --- | |------------------------------------------------|----------|----------|------------------|------------------|------------------|-----------|----------------| | | $23,474 | $24,395 | $27,496 \n$7,009 | $29,438 \n$8,976 | $27,509 \n$8,038 | \n$25,839 | $26,113 $7,357 | | | $3,621 | $4,295 | | | | $7,305 | | | Non-interest Demand Interest ...

The following discussion and analysis is intended to focus on significant matters impacting and changes in the financial condition and results of operations of the Company during the six months ended June 30, 2023 and should be read in conjunction with the consolidated financial statements and notes hereto included in this Quarterly Report on Form 10-Q and BKU's 2022 Annual Report on Form 10-K for the year ended December 31, 2022 (the "2022 Annual Report on Form 10-K"). Recent Events: • Net income for the t ...

But $1.6 billion pipeline in this environment is actually commendable. And the reason is that we will more focus on this more than, like I said, anything else. This is the most important thing that's what people are getting paid to do this here. Jon Arfstrom Raj Singh Leslie Lunak Jon Arfstrom Raj Singh Raj Singh It will come down over time. I think part of that was built up during the pandemic when there was an opportunity to put liquidity into play, it's floating rate, high quality opportunities when the ...

Q2 2023 – Supplemental Information 1 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. ("BankUnited," "BKU" or the "Company") with respect to, among other things, future events and financial performance. The Company generally identifies forward-looking statements by terminology such as "outlook," "believes," "expects," "potential," "continues," "may," "will," "could," "should," " ...

14 BANKUNITED, INC. AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - UNAUDITED March 31, 2023 | --- | --- | --- | --- | --- | |---------------------------------------------|-------|-------------------------------|-------|--------------------------------| | UPB | $ | March 31, 2023 \n93,051 | $ | December 31, 2022 \n96,437 | | Non-credit discount | | (42,357) | | (44,354) | | Total amortized cost of PCD loans | | 50,694 | | 52,083 | | ACL related to PCD loans | | (381) | | (409) | | PCD loans, n ...

BankUnited Go for more™ Q1 2023 – Supplemental Information April 25, 2023 1 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflect the current views of BankUnited, Inc. ("BankUnited," "BKU" or the "Company") with respect to, among other things, future events and financial performance. The Company generally identifies forward-looking statements by terminology such as "outlook," "believes," "expec ...