Zions Bancorporation NA at Morgan Stanley US Financials, Payments, and CRE Conference Transcript
All right. Good morning. Welcome to day 2 of the MS U.S. Financials Conference. We're delighted to have with us today from Zions, Scott McLean, President and COO; and James Abbott, Head of IR. Thanks so much for joining us.
Thanks, Manan. Thank you.
Questions & Answers
So Scott, James, maybe let's get straight to it. We saw the new deck last night. So you revised down the 12-month forward NII guide from moderately decreasing -- the decreasing and that you also expect NIMs to be in the 2.85% range for 2Q '23. Can you just speak to that and maybe speak to the drivers of that change?
Yes. No, happy to. And before we start, I just want to express our
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