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can you talk a bit about your confidence in enhancing the expense management offerings for the middle market SME customers
if you're running at 9% now, is it like, steady state from here or could we accelerate
is that organic growth or is this just sort of bouncing around. And do you see any scenarios where that could normalize
talk a little bit about international in terms of your acceptance, growth, and how you're tracking versus your targets
In this environment, do you still feel like you have the ability to sort of grow fees
it looks like the Capital One, Discover merger is going to go through. Any thoughts on the competitive impact
investors are very concerned around AI job loss risk and how you're thinking about that
it just seems like every big bank is trying to grow market share. Leaning in regionals, fintechs. I was just curious, how you think this plays out if the industry is going to remain disciplined
can you talk a bit about the credit outlook for your commercial portfolio? I know there have been market concerns around private credit NBFIs
I'm just trying to think if there's a way you can help size it or talk about how the expenses get funded because I guess the revenue benefit of moving the bulk of the credit cards over to the netwo...
how you're thinking about loan growth. You've got a lot of different dynamics like tariffs going on. Are you still leaning in
I'm just trying to get a sense if this is a Q4 blip or are you thinking that the consumer is actually more confident here after the election
your '24 vintage, can you talk a little bit about how you're feeling -- how you're seeing that shape up in terms of credit performance
Can you maybe just dig in a little bit on the Walmart partnership? I mean, obviously, that's going very well. Like, is this going to be just a steady ramp up in loan growth?
Can you talk about any potential portfolio acquisitions that you might be looking at or new de novo programs?
can you talk a little bit more about if that's broad-based, low and high end across verticals
can you just give us an update on your technology investment, whether it's AI and other initiatives
can you talk a little bit about the runway for CareCredit. It's been a good growth story competitively. Are you still seeing that as a fragmented market?