Zions Bancorporation NA at BancAnalysts Association of Boston Conference Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Ryan Nash - Goldman Sachs - Analyst : I have two questions. I'll start with one and then I'll follow up. So as one of the largest non-hundred billion-dollar banks, what are you expecting for changes post the election from either a supervisory perspective? And do you expect tangible impacts in terms of the cost of surpassing $100 billion? And what type of additional flexibility do you think this will provide the bank?

Question: Ryan Nash - Goldman Sachs - Analyst : Maybe one other question for me. So if you think back over the last two years, small businesses coming out of the pandemic, borrowed a ton of money, they spent a ton. And in recent times, they've been much more hesitant not only to spend but to borrow. And I'm curious, do you think clarity from the election and now that we've started to get rate cuts is enough to start to see them reengaging? And if not, what are some of the additional things that you think that they're waiting on?