Erika Najarian

what should we take away in terms of the expense messaging

should we presume that this is something that you could sustain over the near term and perhaps continue to work upwards

do you sort of plan to move away from the 1 to 2% expense growth

are there businesses that you're prioritizing in terms of redeploying that capital to

when is the appropriate time to address that 130 basis point buffer

if your plans are to, reduce this exposure or the message is look, you know, our ROTC is 13.9% and improving

Are those points still you know, still valid in terms of what's underneath the the surface of that four q twenty-five exit NII

can BMA get there more quickly, particularly given the deposit dynamics that you mentioned, Brian?

could you talk about the repricing or down deposit beta dynamics that you would assume to get to that net interest margin?

as you hit your end state, your target end state expenses come off. As we think about the entirety of the Consent Order listing, is it a gradual, you know, savings or is there sort of a giant chunk

BILT just unveiled credit cards cap at 10%, and will maintain those rates for a year

what is the allocated TCE to Banamex

is May the right time to address maybe more end-state capital targets

is there a way to size you know, when if the consent when the consent order is lifted

is 13.1% still the right level in terms of the year-end target as we think about you know, regulatory reform

How should we think about how you're thinking of global rates

your inability to dividend from the bank sub to the holding company in order to increase your buybacks

should we just really think of this as look, like it takes a while to turn around a money center bank

what are the specific mile markers that Citi needs to see in order to increase that piecing from that $1.5 billion

In terms of the capital market cycle ahead, what quote inning are we in?

How do we think about how that buyback fits in?

what are those opportunities for growth that you think maybe are missing or not scaled in the business right now

what do you need to see either from a regulatory construct or anything else in order to work down that buffer

whether or not what the US is doing could impact some of that sourcing

how are you going to allocate that freed-up capital? How does your -- where do your priorities go?

how you're seeing the macro backdrop unveil in 2026 for the banking industry

Could you give us a sense of what kind of balance sheet growth you think, is underpinning that

You mentioned that $100 billion could be a little low and that you are in the middle of the planning cycle. That would imply 4% growth year over year

what would be what would be the questions you think investors should ask when assessing NDFI exposure as it relates to future credit risk

if we do get a more simplified regulatory construct that addresses both the capital and liquidity constraints, does that move up JPMorgan's natural ROTCE

has some of the issues that prevented activity levels, or really stunted it in April and early May, have those fully been taken out of your clients thinking

can you double-click on how you think this is going to impact the economy going forward? And maybe double-click on Jeremy's statement that banking -- the banking system should be a source of strength

How should we think about any incremental builds from here? And what you're going -- obviously, deterioration in outlook, but what more do you need to see in terms of how you make decisions about f...

I wanted to follow up on the questions on capital and maybe ask about some of Jeremy, the cross currents in terms of the denominator

trying to arrest the growth of CET1, for now, should we just assume that anything that you don't need for organic growth

you mentioned 320 basis points of excess capital. You know, clearly, the regulators are keen to redefine that. As you think about the forward and achieving higher highs and higher lows, you know, w...

as we think about the sustainability of the investment banking strength, can't help but notice that, of course, markets are at all time highs, and and and spreads are quite tight

where deposits would play into your priority. I know that you have less than 10% of trading assets in the bank sub

is the expense number of 55.7 contemplating a pretty robust capital markets environment

What should investors be asking banks in terms of assessing NDFI exposure and risk

I'm wondering as we think about WIM, and sort of a sub-twenty pretax margin

is a hundred forty basis points still an appropriate buffer

I'm wondering, number one, if that's still your expectation and perhaps help us frame maybe the impact

what is the true natural return of this business?