Core Insights - The article emphasizes the importance of cybersecurity in mobile banking, highlighting that while banks have improved security measures, users must also take proactive steps to protect their sensitive information [1][2]. Group 1: Cybersecurity Measures - Banks have made significant advancements in financial cybersecurity, but users still face risks when banking online [2]. - Users are advised to practice basic data defense by locking their phones, backing up data, and keeping software updated [3]. - Strong security measures, such as using unique passwords and downloading genuine banking apps, are crucial for protecting personal information [4]. Group 2: Network Security - It is recommended not to access banking apps on untrusted networks, particularly public Wi-Fi, to avoid potential security breaches [4]. - Users should ensure they are on a password-protected network or using their own cellular data when accessing banking applications [4]. Group 3: Authentication and Biometrics - Enabling two-factor authentication (2FA) is essential for added security, and users should activate it manually if not enabled by default [5]. - The use of biometric security measures, such as fingerprint recognition and face ID, is considered more secure than traditional alphanumeric passwords [6].

Financial Performance Highlights - Diluted EPS increased +10% YoY[32] - Net Interest Margin widened +8 bps QoQ and +14 bps YoY[32] - Provision for Credit Losses declined -7% QoQ and -35% YoY[32] - Tangible Book Value per Share increased +2% QoQ and +12% YoY[35] - Net Operating ROTA increased +13 bps YoY[35] Balance Sheet Overview - Average loans decreased -$879 million or -1% QoQ[45] - Average deposits decreased -$34 billion or -2% QoQ[50] - Repurchased $662 million of common shares in 1Q25[41] Income Statement Analysis - Noninterest income decreased -$46 million or -7% QoQ[55] - Noninterest expense increased +$52 million, or +4% QoQ[60] Credit Quality - Criticized loans decreased -$516 million QoQ[74] Capital Position - CET1 capital ratio decreased -18 bps to 1150% at the end of 1Q25[81] 2025 Outlook - Net Interest Income is expected to be between $705 billion to $715 billion[82]