I'm taking a more cautious approach on the earnings, and I'm expecting the much-promoted-by-Campanelli Return to Profitability not to occur until the last quarter of this year.
Most importantly, however, is that IMO it will occur.
The last part of your post is just crystal ball stuff, and mine is in the shop.
Suffice it to say that sooner or later this bank will recover. I've got one of the largest positions I've ever had in 40+ years of investing, so I'm obviously making a large bet on it.
Best of luck to you.
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