Dave Chiaverini

At what point does the repricing tailwind begin to moderate

Are you observing any change in borrower behavior given the Middle East tensions

good to see the cost of interest bearing deposits stable at 2.71%. How should we think about deposit costs going forward

the stress capital buffer improving to the 2.5% minimum. Does this change the way you manage the business at all?

Commercial loan growth has been increasing nicely across the industry. So I was curious about how loan spreads are holding up in a competitive environment.

It looks very strong. Mid-50s medium term versus the 62% in the fourth quarter. Can you talk about what could drive the high end versus the low end of the mid-50s outlook?

How high should we expect this NCO rate to trend so that we're not surprised given the slowdown is fully anticipated

What's driving the strong growth in HELOC? Is it Fifth Third's pricing? Or is it grassroots loan demand from customers?

Could you talk about the opportunity going forward in light of the changes in the forward curve?

can you remind us of the structure of these loans in terms of typical advance rates and embedded credit enhancement that protects your position?

Are you able to point to any emerging trends by sector or geography that you are watching more closely

is there more to come there? And how is pipeline looking

what's a reasonable growth rate in average earning assets as you hit your stride

Remind us of your ACL comfort level and reserve build outlook and then any areas you're watching more closely

Could you talk about a normalized NIM level over the medium term for M&T?

On the NII front, how much did the non-accrual recovery contribute to NII in the quarter?

What's your assumption there?

Is this 9.9% kind of the new, or comfort range, that you guys would point to?

Can you give us an update on sensitivity to rates on NII, if we get a hike or 2, what would that impact be?

can you talk about borrower sentiment, pipelines, and competitiveness on the loan pricing front?

are there any differences in competitiveness by geography in your footprint?

how does that look given the M&A that's occurring in your footprint

how does this pace compare to the prior say, three to five-year trend

Is this low single this year kind of a step function to mid-single digit looking out to 2027

can you talk about the loan pricing environment and how spreads are holding up

the middle chart showing a slowdown. You cited the softness in Europe. Anything else that's driving that?

Can you frame to what extent any of your fee income businesses could be at risk from AI, particularly payments, and the moats you have to defend your position?

you mentioned about the markets business. Asset growth should slow in the second half. Is that a function of this business getting to your comfort level?

can you frame the outlook following a strong first quarter here?

What are the drivers behind that? Is it more rewards, more marketing, better rate? What are some of the drivers there?