David Smith

Is this something you expect to be fairly consistent on a quarterly basis? Or were there any 1 timers

is 100% or so still the payout ratio for BNY today and over the medium term?

Anything you can share on the progress in the percentage of clients with multiple products or lines-of-business relationships

Would you say that dampens the upside for The Bank of New York Mellon Corporation in a really strong market environment

Can you give us any sense of the number in absolute figures? Is it a single-digit percent

almost half of the servicing wins in the quarter were multiline of business solutions. Can you help us frame how that compares

do you find clients are less willing to move around from one provider to another in a turbulent environment like this

it looks like NII from repo and Fed funds increased again this quarter. Do you see this sustaining

you managed to hold your AUCA flat despite a big decline in fixed income markets in the fourth quarter

can you help us get a sense of how much came from existing prediction markets users, existing Robinhood customers

the extent to which you see this driving new customer growth as opposed to like ARPU expansion

Could you comment about how you are expecting that institutional retail mix to evolve over time given your plans for the product offerings

Is 100% still the right benchmark we should be thinking about for the full year, adjusting out those notable items?

Can you help us get a sense of where organic growth is today and where you were a year ago? We know GFO is above average, but is Asset Servicing and the regional part of Wealth fairly positive toda...

do you expect over time, all the major businesses to be doing 3% organic? Or medium term, would you expect to get there for the company as a whole, but some to be above and some to be below?

how the degree of operating leverage might move depending on the revenue backdrop

could you break it down for us how much of that would be volume and revenue related versus new investments to grow the bank?

how much of the strength you feel like is a result of share gains and other things that are more result of things that were in your control

Any color on what's driving the strength in deposits this quarter?

flows and Asset Servicing were relatively neutral in the second quarter. Any detail you can offer on segments where you're seeing stronger growth

What gives you the confidence that you're making all the necessary investments in growth

how the current market volatility impacts new business on the one hand and client attrition on the other?

Your capital levels are still pretty elevated versus your closest peers at 12.4% CET1

if I just take the midpoints of your 1Q and full-year NII guides, it would suggest NII staying pretty consistent

Are there any meaningful external constraints like regulatory clarity or anything like that, that you're still waiting at this point

Do you think you can get the other half of the gap closed over the next year or does it get incrementally tougher

can you give us a sense of how low supplemental funding has to get before you can resume that

Are you anticipating any major upfront spend required to get there by the 2029 target

Are you now more comfortable running mid-range, or is this just a transitory move down

how much potential does State Street have to improve returns further, over the next couple of years

Does that also create potential opportunities in the investment management side of the house?

is it as simple as just, you know, taking the, you know, servicing fee win number, dividing it by two

why it might be lower than the 75%, 80% beta you saw in the US on the way up?

Can you share how much of the overall total business on the platform right now is on Alpha?