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Could you talk a little bit, Alastair or Brian, about the time line for kind of where you are today with [ 11.4% ] to the target you laid out
What's the ambition to get to the lower end of the 16 and then the 18 over time
What are you expecting for deposit beta across your various businesses
just wondering broadly how you're feeling about the environment pipelines and investments made in those businesses
Can you elaborate on the outlook for the second half
how do you look at and measure the team's progress in growing retail deposit share
any change in weighting of scenarios for the tariffs, and was it set with a three thirty-one view or early April view?
you previously were looking for the full year expenses this year to be up 2% to 3% over last year. How are you feeling about that?
how are you thinking about the CET1 target and the buffer that feels appropriate in this environment?
is the deposit growth in the model that you've laid out the year being used to pay down more expensive funding?
the mid-upper end of the range implies a little bit higher losses than the actual 2025 loss rates, particularly on retail service
the 60 is a is a waypoint itself. It's not the destination for efficiency ratio. Is are both of those fair
is that fair that you see a path for directionally down expenses next year even if revenues are strong
what's the ultimate end state for the $3.5 billion or so in transformation spend
are you still thinking about that kind of sub $52.6 billion as a goal for next year
what you saw in terms of delinquencies and roll rates in the second quarter
an update on where that stands and assuming that marketing conditions create some risk to the timing
Is there still some room to go there? And then also, could you maybe increase the pace of DTA utilization
could you clarify what you're expecting this year for card net charge-offs
is that kind of assuming you'll be around the target or like using the 13.1% as the target
in terms of the Apple Card acquisition, maybe you could talk about the attraction of that business to you guys
could provide some thoughts on the idea of regulators putting caps on credit card APRs
what are some of the other key assumptions in there particularly around commercial deposits and maybe loan growth and rates
wanted to ask about the retail deposit assumptions that were embedded in that. At Investor Day, you had discussed an expectation for deposits to grow 3% year over year by the fourth quarter
in terms of the NPAs, the nonaccruals in consumers seem to have a bit of a jump. Is there something technical there
Could you remind us of what's given you incremental confidence in seeing some improvement in deposit margin and kind of producing that mid- to upper single-digit deposit growth
how does this type of macro uncertainty impact your thinking around conserving capital as opposed to deploying it through your investment agenda and buybacks as the stock gets cheaper
no change to the full year credit card net charge-off forecast. How do we square that with the rising recession risk
when we think about the investment spend agenda this year. How does it differ from, say, last year or last couple of years across lines of business
what's the framework for thinking about the opportunity cost of sitting on the growing base of capital and how high you might let that go
Any more color on just what drove that?
Does the growth in markets NII that you expect in '26 have a trade-off in the trading fees?
Are you seeing new customers to the bank in card?
give some more color on loan growth, which seems to have good momentum
I was wondering if you could give a little more color on what you saw with the commercial loan growth
How did the environment impact this quarter, and what should we keep in mind
Where are you on card profitability now? Is that an upside driver to ROE?
unpack the deposit expectations embedded in Slide 18 and the NII outlook