Gerard Cassidy

is the retail private label credit card business a business that is going to have challenges in reaching profitability

Can you share your color—have you been able to use that yet? Will you use it?

Can you share with us where we are on the regulatory part

in the cash equities business, what was the weakness there

loans to non-depository financial institutions, especially since when you look at the industry, it's more than doubled in about five years

if we just see the Fed and say the long end of the curve stays anchored around 4% to 4.5% and the Fed cuts another 50 basis points

Can you share with us again why it was low why you guys have been able to lower that allocation

were there different flow characteristics, let's say, in the month of June versus April

when you go back in other seasonal periods, you know, first quarter of prior years, we've not seen this kind of growth

you did lower the allocation of the equity for different lines, like wealth and banking

this business has a very low RoTCE as you guys know below your cost of capital

can you guys remind us or refresh our memories on when the IPO process starts, what will you be

Can you give us more color on the single name impairments, what types of credits were impaired

the November changes to the leverage ratios that the regulators did away with, has that helped you guys become more competitive in acquisition financing

Is it market conditions do you think will be a greater influence on the market this year? Or is it still the valuation challenge

does the, you know, regulation also factor into their thinking, thinking that the window is open now

How we measure that success over the next three to five years as you roll this out

what kind of buffer do you guys like to operate above your regulatory requirement when it comes to CET1?

Can you kinda frame out what that high bar do you look at it from a dilution of earnings or tangible book value

is there anything that concerns you as you look forward?

is there a linear way of releasing or is it all come at the end when the portfolio drops to about zero?

is -- are they more elevated here in the United States than when you talk to clients in Europe or Asia?

Can you guys give us two or three risks where could derail this shared optimism we have for the outlook

when do you think we'll be able to see the success that you're having with AI

Can you guys give us an update where you see this moving in terms of deposit impact possibly. But more importantly, payments

Can you give us some color that how you're going to bring down the following 3 quarters to be able to hit the year-end guide that you gave us at about $105 billion?

what's the strategy of growing that business from where it was in 'twenty-four to where we are today

Can you expand upon that to give us a little more color of, know, what's behind that

Can you guys give us any color of what you are actually seeing on the ground? We are what nine months or so into this new administration

what do you think they could do to lower the spread between mortgage rates and the corresponding treasury yield

has the business for you folks changed so much that now it's just inherently a more profitable business

you said that there were fewer opportunities in Securitized Products and Fixed Income Financing. Can you expand upon that

are you guys seeing any opportunities where the customers may re-intermediate back into the banks like your bank because of this volatility

Are you more confident with the new administration, the new personnel, whether it's Treasury Secretary Bessent or others

what can you attribute the strength to in this consumer checking account deposits

Can you share with us the pros and cons from JPMorgan's perspective, not so much from an investor

at what point do you really have to look at giving back maybe even more capital since you're you got an abundance of it already

which is the one that you think will do best and which is the one that might slow down in activity?

Are you guys have any sense of where the are there any stresses going on in the market today?

what risks or curveballs are you guys trying to keep your eyes on for this year?

this organic growth—are we going to see it really start to materialize more on the consumer side, commercial side? What are you seeing over the next 12 to 24 months?

can you share with us what the scenario weighting was this quarter when you look at your loan loss reserves, including macro risks

are you 75% there in terms of you got all the people you need?

the strategy of using that source of funding to grow the balance sheet

any color outside of the office market in terms of multifamily or other commercial real estate properties

some of your peers are using security risk transfers to manage risk

Are there any other businesses left that are not meeting your internal profitability targets

It was for on the into where you saw that in that segment of the commercial and industrial loan portfolio growth?

what's the optimal mix that you think you guys can get to between that interest income and noninterest income

is there any consideration once this is all behind you, as you guys look to grow through maybe acquisitions

Can you list for us the risks that you guys talk about outside of the geopolitical risk