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what's kind of the impact that you guys are thinking that could happen from this trend in stablecoin deposits
what do you guys focus on just to keep an eye on in case something goes off the rails
any color on why we still have such elevated levels of deposits
Can you give us your view of where you see the adoption of stable coins going forward
do you think you could ever get the efficiency ratio back down to the pre-pandemic levels of just under 60%
Can you guys share with us some of the confidence you have that we're not going to see some issues here
is the higher level due to some of that FICO score inflation we've heard about during the pandemic?
What are the risks? I mean, when you guys sit down at night and, you know, everything's going well, what do you talk about as what curveballs do we have to watch out for?
is it due to better underwriting standards, or sticking to your underwriting standards, or is it your customers themselves
Can you share with us where we are on the regulatory part
in the cash equities business, what was the weakness there
loans to non-depository financial institutions, especially since when you look at the industry, it's more than doubled in about five years
if we just see the Fed and say the long end of the curve stays anchored around 4% to 4.5% and the Fed cuts another 50 basis points
Can you share with us again why it was low why you guys have been able to lower that allocation
were there different flow characteristics, let's say, in the month of June versus April
you did lower the allocation of the equity for different lines, like wealth and banking
when you go back in other seasonal periods, you know, first quarter of prior years, we've not seen this kind of growth
this business has a very low RoTCE as you guys know below your cost of capital
can you guys remind us or refresh our memories on when the IPO process starts, what will you be
the November changes to the leverage ratios that the regulators did away with, has that helped you guys become more competitive in acquisition financing
Can you give us more color on the single name impairments, what types of credits were impaired
does the, you know, regulation also factor into their thinking, thinking that the window is open now
Is it market conditions do you think will be a greater influence on the market this year? Or is it still the valuation challenge
what kind of buffer do you guys like to operate above your regulatory requirement when it comes to CET1?
How we measure that success over the next three to five years as you roll this out
Can you kinda frame out what that high bar do you look at it from a dilution of earnings or tangible book value
is there anything that concerns you as you look forward?
is -- are they more elevated here in the United States than when you talk to clients in Europe or Asia?
is there a linear way of releasing or is it all come at the end when the portfolio drops to about zero?
when do you think we'll be able to see the success that you're having with AI
Can you guys give us two or three risks where could derail this shared optimism we have for the outlook
Can you expand upon that to give us a little more color of, know, what's behind that
what's the strategy of growing that business from where it was in 'twenty-four to where we are today
what do you think they could do to lower the spread between mortgage rates and the corresponding treasury yield
Can you guys give us any color of what you are actually seeing on the ground? We are what nine months or so into this new administration
has the business for you folks changed so much that now it's just inherently a more profitable business
you said that there were fewer opportunities in Securitized Products and Fixed Income Financing. Can you expand upon that
are you guys seeing any opportunities where the customers may re-intermediate back into the banks like your bank because of this volatility
Are you more confident with the new administration, the new personnel, whether it's Treasury Secretary Bessent or others
what can you attribute the strength to in this consumer checking account deposits
Can you share with us the pros and cons from JPMorgan's perspective, not so much from an investor
at what point do you really have to look at giving back maybe even more capital since you're you got an abundance of it already
Are you guys have any sense of where the are there any stresses going on in the market today?
which is the one that you think will do best and which is the one that might slow down in activity?
what risks or curveballs are you guys trying to keep your eyes on for this year?
the strategy of using that source of funding to grow the balance sheet
are you 75% there in terms of you got all the people you need?
any color outside of the office market in terms of multifamily or other commercial real estate properties
some of your peers are using security risk transfers to manage risk
Are there any other businesses left that are not meeting your internal profitability targets
It was for on the into where you saw that in that segment of the commercial and industrial loan portfolio growth?
what's the optimal mix that you think you guys can get to between that interest income and noninterest income
Can you list for us the risks that you guys talk about outside of the geopolitical risk
is there any consideration once this is all behind you, as you guys look to grow through maybe acquisitions