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Can you speak to what you're seeing in terms of deposit pricing whether betas are worse, better or worse than expected
Could we just drill down and look at NII ex markets
how many quarters of that do you expect
how do you think about the buffer where it is today and what prevents you from taking that down a little bit
Is that different now? Or how do you think about that longer-term target
Can you grow off that 4Q jumping off point in your mind
are you seeing across your business segments, you know, whether we've seen you've seen deposit you know, flight to safety flows
does that make it a little more difficult to reach that intermediate-term target NIM
what do you think you're doing differently that's generating that kind of consistent success in adding new accounts?
what areas do you see sort of slowing on the expense side given the, you know, your optimism on organic growth?
are you still targeting a buffer around 100 bps? And if so, how quickly are you looking to get there
Can you maybe kind of just dive into a little bit more on the drivers why you think that should be sustainable going forward
is 4Q a decent jumping-off point for next year? Can you grow from that level
the capital target of 12.8% and stepped-up buybacks this quarter. Is this a pace we should expect until you get to 12.8
if I look at first half, $43.3 billion to get to $84, you're dropping $2.5 billion in the back half
can you give us a sense of what you think the long-term return profile could look like roughly
are you seeing sort of demand already in terms of your balance sheet, whether it's raising liquidity and deposit flow
anything different given the strong start to the NII ex-markets story and seemingly some good momentum in deposit and loan growth
how much more is there to go beyond that in terms of eliminating parallel running parallel systems, reduce consultant spend
can't help but ask about beyond 1Q. If we do sort of get this more certainty, maybe no increase in capital requirements
is that FICC-- is that the FICC is already operating at a high level? Or do you see opportunities
NPAs came down in commercial. So just trying to think what's your view there
are you seeing any early signs of a broadening out of demand across other categories like traditional C and I mortgage, or auto
other aspects whether it is in the markets business, or other marginal return activities before that you see opportunities to lean into growth to use up capital
where you see the most strength in the pipeline? And as we get rate cuts coming, do you feel that we are starting to see more activity pick up
it looks like you guys have done a lot to reduce your asset sensitivity to the short end of the curve. So can you talk about what you've been doing to change the positioning
Do you see that -- is it really just a supply issue? Or how do you think about the demand/supply dynamic
this kind of volatility tends to drive -- as corporates and investors go to cash, tends to drive higher deposits. Did you see that trend in March and particularly in April
with four -- three to four cuts sort of mostly in the back half, June to December, how do you think about the trajectory of NII this year
since the election, it seems like CEO confidence, business confidence has increased. So, are you starting to see any improvement in demand on lending
maybe just talk about again what areas of the regulatory structure, if it were to change, would be most impactful for you