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how we should think about fee revenue growth embedded in your expectations around that 60% efficiency ratio
Where would you respond to that there is a gap between Citi and best-in-class peers
when we think about the consumer cards book, expectations, any kind of red or yellow flag that you're seeing there
we could get a mark to market on the wealth business, Jane
how you're already using these internally. And do you view disruption risk to services revenues
when we think about the binding constraint from standardized to advanced, how we should think about it
the RWA sort of dragged the thirty-two basis points. Is that normal as we think about what the RWA consumption should look like
how what's baking in around the unemployment rate? What would cause you to ratchet up provisioning in the near term
talk to us a little bit about the franchise positioning competitively both in the U.S. and abroad
could we see a similar trajectory in that business over the next 12 months and where the opportunities are
is this something extremely different than what banks have had to deal with over the last decade
give us a sense of how you see this potentially impacting sponsor activity when it comes to M&A IPO
do you see this as the right time or if the right opportunity presents itself to do something that would shift the mix
is it fair for a shareholder to assume that absent, like, big peaks in falls, that the business is rebasing to maybe something better than mid-teens
how should shareholders think about the risk that at the back end you could suffer losses because of the lending to NDFIs?
is the competitive positioning of Goldman Sachs getting better where you're not being buried with incrementally new regulations?
is there a CET1 ratio you're targeting against as we think about go forward basis
where does, if at all, inorganic acquisitions rank when you think about use of capital?
if you can contextualize just how negative the last 10 days have been following a very strong 1Q
what we are doing on the expense side as we think about the 60% efficiency target
how do you think that plays out? And in particular, in terms of the operating backdrop for your capital markets business
how quickly could we see a more significant ramp up around deals, IPOs? Is it a second half event?
Is it fair for us to conclude there's been no communication from the administration to the banks or the industry on how they plan to implement this
do you think two, 300 basis points of excess capital wherever the regulatory minimum shakes out is the right place to be
How should bank shareholders think about AI-led productivity gains in terms of making a dent on the expense growth either next year or for the next few years
are things getting better as we look into 2026? Does it feel like we are at a tipping point where we could see a slump in unemployment
what's the state of play there? When we think about interest rates, tariffs, consumer spending slowing, should we be concerned in terms of credit quality outlook looking out 6, 9, 12 months
any areas of stress from a credit quality perspective that you're beginning to get more concerned today versus 3 or 6 months ago
what is it you think we need to see before this uncertainty abates
your comfort level in terms of the functioning of the treasury market? Do you see the Fed stepping in, pausing QT, maybe even initiating some treasury purchases
In terms of areas of vulnerability, so I heard you, Jeremy, on the lending side, but lots of cross currents
as far as QT is concerned, when you talk to experts, like no one knows where the right level for the Fed to end is
There's so much discussions around whether there's an AI bubble. We are in the late nineties in terms of where we are in the cycle
I had a question on the pretax margin hitting 30% I know you kind of removed all the pluses and the signs when you took over as CEO
how should we think about the incremental return on the capital? Could this be an even more profitable bank than what we have seen so far?
Do you think this is different than what we saw in March and April where there's a huge hit to corporate sentiment around deal activity
you sound fairly constructive given what we've come through over the last month, your comments on both on the trading side
Just remind us how impactful could that be for how you manage the balance sheet and just how you manage the business
where we stand in terms of the integration of the bank. And as we think about -- with some of your peers where the bank
as we think about just investments in systems as it pertains to AML, BSA on the wealth management side
double-clicking on some of the expense and the efficiency initiatives you laid out on Slide 18
just remind us when you think about M&A, either Wealth Management or bank M&A
just remind us where the opportunities are either on headcount rightsizing of technology, automation of processes
could Wells do an M&A on wealth or global investment banking
the concern from an investor standpoint is a lot of this growth may come from a cost of ROTCEA
how should we think about what three or four rate cuts would do to the balance sheet
is there an internal philosophy around where you think the right CET1 is for Wells Fargo
how much of that improvement in the consumer business on ROE is removal of the asset cap
give some tangible examples of things that you've been able to do post the lifting of the consent order
are we getting to a point where some of the low-hanging fruit is done and expenses generally move higher