Oct 25 (Reuters) - New York Community Bancorp :
* NYCB CEO JOSEPH OTTING SAYS MULTI-FAMILY PROPERTY LOANS ARE REPRICING FAVORABLY- ANALYST CALL
* NYCB CFO CRAIG GIFFORD SAYS NET INTEREST MARGIN HAS BOTTOMED IN Q3
* NYCB CFO SAYS RETAIL DEPOSITS IN Q4 MAY BE FLAT
* NYCB EXEC SAYS EXPLORING ALL OPPOTURNITIES TO REDUCE NON-ACCRUAL LOANS, INCLUDING SALE
* NYCB CFO SAYS BANK MAY SEE HIGHER LEVEL OF NET CHARGE-OFFS IN Q1, WHICH COULD THEN TAPER OFF THROUGHOUT 2025
* NYCB EXEC EXPECTS BALANCE SHEET TO BE FLAT IN 2025, 2026
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