Financial Research Report / Conference Document - HOUSE_OVERSIGHT_014392

Name	Role	Context
Ebrahim H. Poonawala	Analyst	Listed as the covering analyst for numerous banks in a report by Bank of America Merrill Lynch.
Erika Najarian	Analyst	Listed as the covering analyst for numerous banks in a report by Bank of America Merrill Lynch.

Name

Role

Context

Ebrahim H. Poonawala

Analyst

Listed as the covering analyst for numerous banks in a report by Bank of America Merrill Lynch.

Erika Najarian

Analyst

Listed as the covering analyst for numerous banks in a report by Bank of America Merrill Lynch.

Name	Type	Context
Bank of America Merrill Lynch		The authoring organization of the financial report.
BankUnited, Inc.		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
BB&T Corporation		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
Capital Bank Financial Corp.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
Citigroup Inc.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
Citizens Financial Group		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
East West Bancorp, Incorporated		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
FCB Financial Holdings, Inc		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
Great Western Bancorp Inc		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
Huntington Bancshares Inc.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
IBERIABANK Corp		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
JPMorgan Chase & Co.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
Key Corp		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
New York Community Bancorp		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
Signature Bank		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
SunTrust Banks, Inc.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
SVB Financial Group		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
The PNC Financial Services Group, Inc.		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
UMB Financial Corporation		A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.
Wells Fargo & Company		A bank with a 'BUY' rating, covered by analyst Erika Najarian.
Banc of California		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
Commerce Bancshares Inc.		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
Fifth Third Bank		A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.
First Bancorp Puerto Rico		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
First Hawaiian Inc.		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
Franklin Financial Network, Inc.		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
Hancock Holding		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
M&T Bank		A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.
Regions Financial		A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.
Synovus Financial Corp.		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
Texas Capital Bancshares Inc.		A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.
U.S. Bancorp		A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.
Associated Banc-Corp		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
Bank of Hawaii Corp.		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
Comerica Incorporated		A bank with an 'UNDERPERFORM' rating, covered by analyst Erika Najarian.
Cullen/Frost Bankers Inc		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
First Horizon National Corp.		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
Prosperity Bancshares Inc		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
TCF Financial Corp.		A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.
Zions Bancorp		A bank with an 'UNDERPERFORM' rating, covered by analyst Erika Najarian.
First Republic Bank		A bank with a 'RSTR' (Restricted) rating, covered by analyst Erika Najarian.

Name

Type

Context

Bank of America Merrill Lynch

The authoring organization of the financial report.

BankUnited, Inc.

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

BB&T Corporation

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

Capital Bank Financial Corp.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

Citigroup Inc.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

Citizens Financial Group

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

East West Bancorp, Incorporated

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

FCB Financial Holdings, Inc

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

Great Western Bancorp Inc

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

Huntington Bancshares Inc.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

IBERIABANK Corp

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

JPMorgan Chase & Co.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

Key Corp

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

New York Community Bancorp

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

Signature Bank

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

SunTrust Banks, Inc.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

SVB Financial Group

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

The PNC Financial Services Group, Inc.

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

UMB Financial Corporation

A bank with a 'BUY' rating, covered by analyst Ebrahim H. Poonawala.

Wells Fargo & Company

A bank with a 'BUY' rating, covered by analyst Erika Najarian.

Banc of California

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

Commerce Bancshares Inc.

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

Fifth Third Bank

A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.

First Bancorp Puerto Rico

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

First Hawaiian Inc.

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

Franklin Financial Network, Inc.

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

Hancock Holding

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

M&T Bank

A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.

Regions Financial

A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.

Synovus Financial Corp.

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

Texas Capital Bancshares Inc.

A bank with a 'NEUTRAL' rating, covered by analyst Ebrahim H. Poonawala.

U.S. Bancorp

A bank with a 'NEUTRAL' rating, covered by analyst Erika Najarian.

Associated Banc-Corp

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

Bank of Hawaii Corp.

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

Comerica Incorporated

A bank with an 'UNDERPERFORM' rating, covered by analyst Erika Najarian.

Cullen/Frost Bankers Inc

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

First Horizon National Corp.

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

Prosperity Bancshares Inc

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

TCF Financial Corp.

A bank with an 'UNDERPERFORM' rating, covered by analyst Ebrahim H. Poonawala.

Zions Bancorp

A bank with an 'UNDERPERFORM' rating, covered by analyst Erika Najarian.

First Republic Bank

A bank with a 'RSTR' (Restricted) rating, covered by analyst Erika Najarian.

Location	Context
US	The report is titled 'US - Banks Coverage Cluster'.
Puerto Rico	Mentioned in the company name 'First Bancorp Puerto Rico'.
Hawaii	Mentioned in the company name 'Bank of Hawaii Corp.'.

Location

Context

The report is titled 'US - Banks Coverage Cluster'.

Puerto Rico

Mentioned in the company name 'First Bancorp Puerto Rico'.

Hawaii

Mentioned in the company name 'Bank of Hawaii Corp.'.

US - Banks Coverage Cluster

BofA Merrill Lynch
Investment rating
Company
ticker
Bloomberg symbol
Analyst

BUY
BankUnited, Inc.
BKU
BKU US
Ebrahim H. Poonawala
BB&T Corporation
BBT
BBT US
Erika Najarian
Capital Bank Financial Corp.
CBF
CBF US
Erika Najarian
Citigroup Inc.
C
C US
Erika Najarian
Citizens Financial Group
CFG
CFG US
Erika Najarian
East West Bancorp, Incorporated
EWBC
EWBC US
Ebrahim H. Poonawala
FCB Financial Holdings, Inc
FCB
FCB US
Ebrahim H. Poonawala
Great Western Bancorp Inc
GWB
GWB US
Ebrahim H. Poonawala
Huntington Bancshares Inc.
HBAN
HBAN US
Erika Najarian
IBERIABANK Corp
IBKC
IBKC US
Ebrahim H. Poonawala
JPMorgan Chase & Co.
JPM
JPM US
Erika Najarian
Key Corp
KEY
KEY US
Erika Najarian
New York Community Bancorp
NYCB
NYCB US
Ebrahim H. Poonawala
Signature Bank
SBNY
SBNY US
Ebrahim H. Poonawala
SunTrust Banks, Inc.
STI
STI US
Erika Najarian
SVB Financial Group
SIVB
SIVB US
Ebrahim H. Poonawala
The PNC Financial Services Group, Inc.
PNC
PNC US
Erika Najarian
UMB Financial Corporation
UMBF
UMBF US
Ebrahim H. Poonawala
Wells Fargo & Company
WFC
WFC US
Erika Najarian

NEUTRAL
Banc of California
BANC
BANC US
Ebrahim H. Poonawala
Commerce Bancshares Inc.
CBSH
CBSH US
Ebrahim H. Poonawala
Fifth Third Bank
FITB
FITB US
Erika Najarian
First Bancorp Puerto Rico
FBP
FBP US
Ebrahim H. Poonawala
First Hawaiian Inc.
FHB
FHB US
Ebrahim H. Poonawala
Franklin Financial Network, Inc.
FSB
FSB US
Ebrahim H. Poonawala
Hancock Holding
HBHC
HBHC US
Ebrahim H. Poonawala
M&T Bank
MTB
MTB US
Erika Najarian
Regions Financial
RF
RF US
Erika Najarian
Synovus Financial Corp.
SNV
SNV US
Ebrahim H. Poonawala
Texas Capital Bancshares Inc.
TCBI
TCBI US
Ebrahim H. Poonawala
U.S. Bancorp
USB
USB US
Erika Najarian

UNDERPERFORM
Associated Banc-Corp
ASB
ASB US
Ebrahim H. Poonawala
Bank of Hawaii Corp.
BOH
BOH US
Ebrahim H. Poonawala
Comerica Incorporated
CMA
CMA US
Erika Najarian
Cullen/Frost Bankers Inc
CFR
CFR US
Ebrahim H. Poonawala
First Horizon National Corp.
FHN
FHN US
Ebrahim H. Poonawala
Prosperity Bancshares Inc
PB
PB US
Ebrahim H. Poonawala
TCF Financial Corp.
TCB
TCB US
Ebrahim H. Poonawala
Zions Bancorp
ZION
ZION US
Erika Najarian

RSTR
First Republic Bank
FRC
FRC US
Erika Najarian

Disclosures
Important Disclosures

Equity Investment Rating Distribution: Banks Group (as of 30 Sep 2016)
Coverage Universe
Count
Percent
Inv. Banking Relationships*
Count
Percent
Buy
81
43.55%
Buy
74
91.36%
Hold
45
24.19%
Hold
41
91.11%
Sell
60
32.26%
Sell
56
93.33%

78 2016 Future of Financials Conference | 17 November 2016
Bank of America
Merrill Lynch
HOUSE_OVERSIGHT_014392

HOUSE_OVERSIGHT_014392.jpg

Processing Document...

Extraction Summary

Document Information

People (2)

Organizations (41)

Timeline (1 events)

Locations (3)

Relationships (4)

Full Extracted Text

Discussion 0