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	STRESS TEST — BASE SCENARIO
	No stress — Management baseline projections
				FY2026	FY2027	FY2028	FY2029	FY2030	FY2031	FY2032	FY2033	FY2034	FY2035
	SCENARIO PARAMETERS
	Loan Growth Shock			0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
	NCO Rate Increase			0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	Provision Multiplier			1.0x	1.0x	1.0x	1.0x	1.0x	1.0x	1.0x	1.0x	1.0x	1.0x
	NII Impact			0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
	Fee Income Impact			0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
	Securities Haircut			0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
	OpEx Increase			0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
	STRESSED INCOME STATEMENT
	Base NII			$775	$932	$1,210	$1,723	$2,707	$4,628	$8,422	$15,958	$30,976	$60,955
	NII Stress Impact			-	-	-	-	-	-	-	-	-	-
	Stressed NII			$775	$932	$1,210	$1,723	$2,707	$4,628	$8,422	$15,958	$30,976	$60,955
	Base Provision			$157	$165	$174	$184	$194	$205	$216	$228	$240	$253
	Stressed Provision			$157	$165	$174	$184	$194	$205	$216	$228	$240	$253
	Base Non-II			$392	$403	$414	$425	$436	$448	$460	$472	$485	$498
	Stressed Non-II			$392	$403	$414	$425	$436	$448	$460	$472	$485	$498
	Base OpEx			$863	$892	$922	$954	$986	$1,020	$1,054	$1,090	$1,127	$1,166
	Stressed OpEx			$863	$892	$922	$954	$986	$1,020	$1,054	$1,090	$1,127	$1,166
	Stressed Pre-Tax Income			$147	$278	$527	$1,010	$1,963	$3,852	$7,612	$15,113	$30,094	$60,033
	Stressed Net Income			$110	$208	$395	$758	$1,472	$2,889	$5,709	$11,334	$22,570	$45,025
	STRESSED CAPITAL IMPACT
	Base CET1 Ratio			11.53%	11.06%	10.56%	10.01%	9.36%	8.54%	7.48%	6.13%	4.60%	3.11%
	Stressed CET1 (Net Income chg)			11.53%	11.06%	10.56%	10.01%	9.36%	8.54%	7.48%	6.13%	4.60%	3.11%
	Min Regulatory CET1			4.50%	4.50%	4.50%	4.50%	4.50%	4.50%	4.50%	4.50%	4.50%	4.50%
	CET1 Buffer Over Minimum			7.03%	6.56%	6.06%	5.51%	4.86%	4.04%	2.98%	1.63%	0.10%	-1.39%
	Note: Base scenario reflects management projections with no stress applied.