Betsy Graseck

on the actions to reduce that, so sensitivity, does that play into this at all

you actually increase the NII outlook to 5% to 6%. I know you mentioned also that you took some actions to reduce asset sensitivity. So, we could wrap this all up into what drove that better NII ou...

the nine to twelve months approval timing, when does that commence

I did just want to understand how you're thinking about the Banamex transaction

maybe we could get an update as to where things stand there

how far along do you feel you are in the modernizing your infrastructure

does that mean at $1.75 billion, or does that mean keep pace with the increased q on q

buying back stock has got to be the most accretive use of capital today. And why wait on the buyback when you can lean into it

Maybe we could just ask you to unpack a little bit. There's a lot of different backlogs

how much of the issuance that's going on is those two line items as well

should we expect these kind of bite sized overtime building up over time or are there opportunities

should we still be anticipating an exit from the Apple Card at some point in the near or medium term

how do you think about the sizing of the dividend? Very impressive increase for sure

How should we think about how much efficiency this can unlock over time?

how we should be thinking about VaR efficiency, which clearly went up dramatically

Is that something that would be a noticeable benefit for you? Is that something that you think you could lean into relatively quickly?

what's happening in '25 and '26 that will drive the reduction of the drag in this year and next

how does this management structuring change the revenue growth outlook that you're looking for?

Is this primarily a function of the technology that Apple Card was built on

does it impact how you're thinking about the co-brand cards you have, the rewards card

Could you give us a sense as to how you are thinking about the reserve that you have against the commercial book, especially given what you just mentioned

maybe you could speak a little bit to that incremental $500 billion is it that you are talking about supporting growth of over the next ten years

how JPM is thinking about utilizing, leveraging, competing with stablecoin, and how the JPMD deposit token feeds into all of this

Could you speak to the drivers of those drivers? In other words, is it private credit? Is it M&A financing? Is it inventory

is there anything that you've seen in the past that looks like this or that you would suggest if any slowdown coming forward, is it more likely to be similar to what kind of prior cycle you've seen

I noticed your average loan growth, I think it was running at about 2% year-on-year, and then end-of-period loans was up 5% and wholesale loans was up 7%

As we think about the NII outlook and you highlighted the NIM pressure, but loans, but basically balance is increasing here

Can you talk to us about how you're thinking about the impact on ROTCE?

what kind of kind of loan growth firm credit quality should we be anticipating

do you feel trading is maxed out relative to your risk profile

has all of that come out? Are you now back to what you would argue is normalized level

I know you said that you would address the Roth's target when you hit the fifteen percent

are there efficiencies that can be generated from investments you had to make that were unique to the asset cap period?

how does that impact you? Does that give you more management time?

What underlies that statement especially given you still do have the asset cap on

the announcement during the quarter, I believe, that Ray Fischer is stepping down

are you thinking about that last mile as being driven by revenue growth happening faster