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what gives you confidence you can deliver both the acceleration in organic while still driving better operating leverage
I wanted to just understand if that 20% tax rate is expected to hold going forward beyond 2026
what level of CET1 you're currently comfortable running with in terms of the ratio
the outlook for commercial loan growth as tariffs and policy uncertainty certainly raised concerns regarding weakening loan demand
How much of the build that you're guiding to is attributable to loan growth versus some rate or repricing tailwinds
What gives you confidence in that ability to deliver that level of top line growth on a sustainable basis?
whether it's the adjustments to the RWA calculation first. Second, the G-SIB surcharge and the proposed changes there
How should we think about the trajectory of non-comms. That $5 billion baseline is a little bit higher than what we've seen in recent quarters
how you're evaluating some of these emerging opportunities within the market structure or tokenization landscape
I was hoping to get your thoughts on how large you think that financing piece can grow over time
I was hoping you can provide some perspective on whether you believe that the gains are durable
I wanted to gauge whether you would ever consider pivoting from your strategy to shrinking the investment portfolio
I was hoping you could speak to bigger picture, just the outlook for sponsor activity across the complex
how you're framing or potentially handicapping the risk of some of these deals coming out of the backlog?
Wanted to start off with one on the proposed SLR changes and just the impact of rate volatility
was hoping you could just speak to the Markets businesses, which have been performing extraordinarily well of late
consensus really contemplating little to no improvement in margins. Versus the 50% incremental margin you achieved this past year was just hoping you could speak to the philosophy around operating ...
speak to the factors that might support continued durability of the recent strength and some of the variables you're monitoring
speak to the durability of the NNA strength just given some of the negative marks we've seen in both fixed income and equities
recently announced partnership with Carta. And I was hoping to double-click into some of the tangible financial benefits
the 30% wealth management margin target. Just taking a step back, you're already running at 29% on a core basis
just wanted to better understand how much further you can deepen penetration rates across the RIA channel given such strong demand
what you're seeing in terms of retail sentiment and how that's manifesting across different brokerage metrics
the gap in retail is still fairly wide. Why is that 5% to 7% still the appropriate NNA target
it does imply a pretty meaningful deceleration
what are some of the milestones you're looking for
what impact should the security for repositioning have on your margin as we think about a go-forward basis
speak to the expense flexibility in the model if the fee outlook or backdrop continues to deteriorate