안녕하세요. 반갑습니다. 여러분은 기술, AI를 생각하면 무엇이 떠오르시나요.보통 인터넷에 검색을 하면요. 이런 단어들이 등장합니다. 효율적인 빠른, 자동화된 혼자.AI가 업무의 효율화를 돕고요. 그리고 요즘에는 사람 대신 AI를 고용해서 1인 기업들이 등장을 하기도 합니다. 그런데 저는 오늘이 키워드들과 완전히 다를 수도 있는 정반대 이야기들을 한번 들려 보려고 해요.때는 봐야로 제가 대학생이었던 시절로 거슬러 올라갑니다. 여러분 혹시 대학에 처음 입학했을 때 처음 맞아 맞이했던 그 강의 기억하시나요. 한번 눈을 감고 다 같이 상상을 해 볼까요.저는 그 당시에 굉장히 긴장했고 당황스러웠던 기억이 다요. 선생님이 아니라 교수님께서 눈앞에 계시고요. 그리고 내가 모르는 사람들이 강의장 안에 가득했었습니다.그때 제가 느꼈던 생각과 감정들을 영상으로 한번 만들어 봤는데요. 다 같이 한번 보시죠. 수업을 듣고 있었어요.저는 수업 전 문제를 미리 풀어 가는 편인데 어느 날 교수님께서 >> 이건 정답이 0인데 쉬우 ...

Core Insights - The article highlights the innovative "AI Interviewer" system developed by Wuhan Software Engineering Vocational College, which won a gold medal at the World Vocational College Skills Competition. This system utilizes a unique "job-person matching algorithm" to efficiently screen resumes and assess candidates' fit for positions [1][6]. Group 1: AI Interviewer and Its Impact - The "AI Interviewer" can process hundreds of resumes in just one hour, significantly reducing the time required for traditional screening methods [6]. - The system was developed in response to the hiring challenges faced by companies, particularly the time-consuming and subjective nature of resume screening [6]. Group 2: Educational Approach and Industry Alignment - Wuhan Software Engineering Vocational College has adopted a "AI + real-world project-driven" teaching model, allowing students to engage in practical projects that align with industry needs [6][7]. - The college has introduced 29 new high-quality skill training courses to match the demands of the modern industrial system in Hubei Province, ensuring that educational content is continuously updated [7]. Group 3: Practical Skills Development - The college emphasizes hands-on training by integrating real production scenarios into the classroom, collaborating with companies to create practical training centers [10]. - Competitions are used as a mechanism to enhance teaching and learning, with students participating in various contests to apply their skills in real-world situations [10]. Group 4: Technological Integration and Innovation - The college has established a "Vocational Education Multimodal AI Technology Innovation Center" in collaboration with the Wuhan Artificial Intelligence Research Institute to reshape the talent training system using cutting-edge technology [13]. - A project combining acoustic technology and AI algorithms won a gold medal at the China International College Students Innovation Competition, showcasing the college's commitment to interdisciplinary collaboration [12]. Group 5: Global Outreach and Talent Development - The college is actively involved in international vocational education initiatives, establishing programs in countries like Indonesia and South Africa to develop local talent in communication technology and e-commerce [14]. - The college's systematic reforms aim to cultivate high-quality craftsmen who possess both technical skills and digital literacy, thereby supporting regional industrial development [14].

Geopolitical & Economic Landscape - US and China lack experience living together, increasing global risk [1] - The current era is marked by the rise of transformational technologies like AI, comparable to the advent of electricity [1] Impact of AI and Technology - AI will transform all aspects of society, creating new winners and losers [2] - Countries hosting high-tech digital industries, like the United States and to a lesser extent Europe, are positioned to be winners [2] - Countries with natural resources, specifically rare earths, are also likely to be winners [2] Global Disparities - Isolated and lost countries, potentially including most of Africa and the developing world, are likely to be the losers [2]

Core Points - Cirrus Logic has won the Digital Technology Award at the 2025 Made in Scotland Awards, recognizing its contributions to high-performance audio and mixed-signal semiconductor solutions [1] - The Made in Scotland Awards celebrate innovation, creativity, and business success across various industries [1] - The Digital Technology Award specifically honors organizations that are making a positive change and measurable impact through their technology [1]

Core Insights - The 2025 China International Service Trade Fair (CIFTIS) took place from September 10 to 14 in Beijing, showcasing the "Beijing Solution Exhibition" as a key highlight, promoting replicable and standardized digital service solutions for urban governance and enhancing people's quality of life [1][3] Group 1: Digital Service Framework - The "1+1+N" integrated digital service system proposed in the "Beijing Solution" aims to provide a clear blueprint for urban digital transformation across governance, urban management, and public services [3] - The digital foundation includes a robust architecture that enhances the efficiency of computing power supply, supporting emerging industries like artificial intelligence and the metaverse [3][5] Group 2: Smart Governance Initiatives - The "Three Jing" platforms (Jingban, Jingtong, Jingzhi) were introduced to streamline services through a unified service portal, facilitating the implementation of multiple application solutions [5] - The "Jingban" platform serves as a secure and efficient government collaboration tool, while "Jingtong" offers 36 convenient services, enhancing public service accessibility [5][6] Group 3: Urban Management Technologies - The integration of various data sources through platforms like the vehicle-road-cloud system enables closed-loop supervision of autonomous vehicles, enhancing urban operational safety [5][6] - The Beijing Economic Development Zone has implemented a "green wave" traffic system across 67 roads, improving traffic management and efficiency [6] Group 4: Future Directions - Beijing aims to deepen digital technology innovation and cultivate high-quality digital service solutions, contributing to the high-quality development of the global digital economy [6]

Accessibility StatementSkip Navigation Named One of America's Most Admired Workplaces by Newsweek and a Greater Pittsburgh Top Workplace for 15th Consecutive Year PITTSBURGH, Sept. 11, 2025 /PRNewswire/ -- F.N.B. Corporation announced today that its largest subsidiary, First National Bank, has been recognized by Newsweek as one of America's Most Admired Workplaces for 2026. The Company has received the award for the second consecutive year following its commencement in 2025. Additionally, 2025 marks the f ...

Core Insights - F.N.B Corporation has appointed Frank Schiraldi as the Director of Corporate Strategy for its banking subsidiary, First National Bank, to enhance growth strategies and corporate decision-making [1][2] Company Overview - F.N.B. Corporation is a diversified financial services company headquartered in Pittsburgh, Pennsylvania, operating in seven states and the District of Columbia, with total assets nearing $50 billion and approximately 350 banking offices [5][6] - The company provides a full range of commercial banking, consumer banking, and wealth management solutions through its subsidiary network, with First National Bank of Pennsylvania being the largest affiliate [6] Leadership and Strategy - Frank Schiraldi, who has over 20 years of experience in the banking sector, previously served as Managing Director and Senior Research Analyst at Piper Sandler, specializing in regional banking [3][4] - Schiraldi's role involves leading a team that analyzes business metrics, financial information, and macroeconomic factors to strategically position the company for growth [2][4] - The corporate strategies team is now integrated with experts in digital technology, AI, and data science, highlighting the importance of these areas in strategic planning [4] Market Position - F.N.B. Corporation's common stock trades on the New York Stock Exchange under the symbol "FNB" and is included in the S&P MidCap 400 Index [7]

Regulatory Landscape & Industry Outlook - The industry anticipates a significant shift in regulatory attitudes towards crypto, influenced by initiatives like the Genius Act and Fit 21 [1] - The industry views regulatory clarity as an opportunity to leverage innovation in the digital asset space [1][2] - The US is beginning to embrace digital technology, fostering innovation within a regulated framework [2] Tokenization & Product Expansion - Tokenization of real-world assets is expected to be a key outcome of the evolving crypto landscape [1] - Tokenization expands the product offerings for fintech companies, potentially creating infinite possibilities [1] - For the past 354 years, the company has focused on five products: equities, fixed income, options, futures, and FX [1]

Group 1 - The 2024-2025 Global Entrepreneurship Monitor (GEM) report covers entrepreneurship data from 56 economies, representing 63% of the global population and 78% of global GDP, highlighting the current state and trends in the global entrepreneurial ecosystem [1][2] - In 2024, global GDP is projected to grow by approximately 3%, yet 51 participating economies report a decline in household income, with 38 economies indicating that at least 25% of adults have experienced income reductions [1][2] - Only 17 economies are rated as having a "sufficient" entrepreneurial environment, while 39 are deemed "insufficient," indicating a disparity in entrepreneurial conditions across different income levels [1][2] Group 2 - The motivations for entrepreneurship are diverse, with "survival" and "wealth accumulation" being the most common, particularly in low-income economies where survival is a more pronounced motivation [2] - Despite a perception that barriers to entrepreneurship are lowering, fear of failure is increasing, with at least 40% of individuals in 43 economies opting not to pursue opportunities due to this fear [2] - The report emphasizes the importance of sustainable development, with over half of early-stage entrepreneurs in 40 economies prioritizing social and environmental impacts over profit [2] Group 3 - The distribution of entrepreneurial activity shows a concentration in consumer and business services, with high-income economies leading in product innovation, while low-income economies show less innovation [2] - There is a notable difference in employment expectations, with at least one-third of entrepreneurs in 37 economies not planning to hire additional staff, contrasting with expansion plans in some high-income economies [2] - The report indicates a growing trend towards digital technology adoption, with at least half of entrepreneurs in 30 economies planning to increase digital marketing investments, although awareness of artificial intelligence varies significantly by income level [2]

Financial Data and Key Metrics Changes - The company reported net income available to common shareholders of $130.7 million, or $0.36 per share, with a linked quarter revenue growth of 6.5% [5][19] - Pre-provision net revenue rose 16% from the prior quarter to $192 million, with total revenues reaching a quarterly record of $438 million [5][19] - The CET1 ratio approached 11%, tangible common equity stood at 8.5%, and tangible book value per share increased by 13% year over year to $11.14 [5][25] Business Line Data and Key Metrics Changes - Net interest income was $347 million, while non-interest income reached a record $91 million, more than doubling over the last ten years [5][24] - Average loans and leases totaled $34.5 billion, reflecting a 5.3% annualized linked quarter increase, driven by consumer and commercial loan growth [20] - Non-interest expense totaled $246.2 million, with increases primarily due to strategic hiring and technology investments [24][25] Market Data and Key Metrics Changes - Average total deposits grew to over $37 billion, with a loan-to-deposit ratio of 91.9%, down slightly from the last quarter [6][21] - The company maintained a non-interest-bearing demand deposit level of 26% [6][21] - The cumulative total deposit beta since interest rate cuts began in September was 28% at quarter end [21] Company Strategy and Development Direction - The company is focused on organic growth and diversifying revenue streams, particularly in non-interest income [8][9] - Recent expansions into public finance and corporate investment banking services are part of the strategy to enhance high-value business lines [9] - The integration of the eStore common application into the branch origination platform aims to improve customer onboarding and experience [9][10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for a pickup in commercial loan growth in 2025, supported by a strong short-term commercial loan pipeline [20] - The company is closely monitoring the impact of tariffs and geopolitical events on its loan portfolio while managing strong liquidity and capital positions [12][17] - Management highlighted the importance of maintaining a disciplined approach to credit risk management amid a volatile economic environment [12][17] Other Important Information - The company repurchased 725,000 shares at a weighted average price of $13.85 during the quarter [6] - The efficiency ratio remained favorable at 54.8%, with expectations for positive operating leverage in the second half of 2025 [25] - The company has created a generative AI task force to explore new use cases and ensure responsible risk management around AI usage [12] Q&A Session Summary Question: Margin guidance and expectations - Management indicated that the margin is expected to be flattish to slightly up in the next two quarters, with a significant contribution from growth in earning assets and lower cost of funds [33][34] Question: Expense guidance and investments - The increase in guidance was primarily due to the down payment assistance program, with expectations for higher commissions tied to revenue performance [38][39] Question: Deposit cost perspective and competition - Management noted that total interest-bearing deposit costs are expected to remain stable until the Fed moves, with confidence in their ability to gather deposits due to a diverse geographic footprint [48][49] Question: Future loan growth composition - The company anticipates a shift towards commercial loan growth while the mortgage lending business is expected to taper off, with a focus on high-quality deposits [91][92] Question: Capital management strategy - The company views its capital position as a buffer for funding loan growth, with active share repurchase programs and potential dividend considerations [111][113]