Jim Mitchell

Is that an early read on taking some share from private credit, given disruptions there

can you expand on the funding optimization point a little bit

Can you speak to what you're seeing in terms of deposit pricing whether betas are worse, better or worse than expected

Could we just drill down and look at NII ex markets

how do you think about the buffer where it is today and what prevents you from taking that down a little bit

how many quarters of that do you expect

Is that different now? Or how do you think about that longer-term target

Can you grow off that 4Q jumping off point in your mind

does that make it a little more difficult to reach that intermediate-term target NIM

are you seeing across your business segments, you know, whether we've seen you've seen deposit you know, flight to safety flows

what areas do you see sort of slowing on the expense side given the, you know, your optimism on organic growth?

what do you think you're doing differently that's generating that kind of consistent success in adding new accounts?

you mentioned earlier that you might have had record new business wins

what are you seeing in consumer credit and consumer behavior and does it look like these favorable trends are continuing

Any thoughts and detail on your exposures and how you are thinking about the credit risk there would be helpful.

Can you maybe kind of just dive into a little bit more on the drivers why you think that should be sustainable going forward

are you still targeting a buffer around 100 bps? And if so, how quickly are you looking to get there

is 4Q a decent jumping-off point for next year? Can you grow from that level

the capital target of 12.8% and stepped-up buybacks this quarter. Is this a pace we should expect until you get to 12.8

can you give us a sense of what you think the long-term return profile could look like roughly

if I look at first half, $43.3 billion to get to $84, you're dropping $2.5 billion in the back half

are you seeing sort of demand already in terms of your balance sheet, whether it's raising liquidity and deposit flow

anything different given the strong start to the NII ex-markets story and seemingly some good momentum in deposit and loan growth

can't help but ask about beyond 1Q. If we do sort of get this more certainty, maybe no increase in capital requirements

how much more is there to go beyond that in terms of eliminating parallel running parallel systems, reduce consultant spend

is that FICC-- is that the FICC is already operating at a high level? Or do you see opportunities

Has there been any pushing out of any pause on activity levels and pushing out of the pipeline?

does that start to impinge your ability to grow that as much as you want?

are you seeing any early signs of a broadening out of demand across other categories like traditional C and I mortgage, or auto

NPAs came down in commercial. So just trying to think what's your view there

other aspects whether it is in the markets business, or other marginal return activities before that you see opportunities to lean into growth to use up capital

where you see the most strength in the pipeline? And as we get rate cuts coming, do you feel that we are starting to see more activity pick up

it looks like you guys have done a lot to reduce your asset sensitivity to the short end of the curve. So can you talk about what you've been doing to change the positioning

Do you see that -- is it really just a supply issue? Or how do you think about the demand/supply dynamic

this kind of volatility tends to drive -- as corporates and investors go to cash, tends to drive higher deposits. Did you see that trend in March and particularly in April

with four -- three to four cuts sort of mostly in the back half, June to December, how do you think about the trajectory of NII this year

since the election, it seems like CEO confidence, business confidence has increased. So, are you starting to see any improvement in demand on lending

maybe just talk about again what areas of the regulatory structure, if it were to change, would be most impactful for you

Is that more of an effort to make that relationship stickier or is there also a material revenue pickup as they convert?

how are you feeling better, worse on sort of the organic growth acceleration that you're trying to get

pricing, you feel has been better as companies just focus more on margins. Is that the takeaway?

how do you think about the organic growth from here, the trade-off between that and the improving incremental margins?

can you discuss how much is being driven by [ TriState's ] platform versus your own private client business

it looks like the deposit growth there has been pretty substantial since you acquired it, maybe over 50%

Is that just demand driven? Or are you actively looking to shrink those deposits

how do you think about the combination of NII and RJBDP fees as we go forward for the rest of the year

can you kind of give us a sense of at least a ballpark of the level of growth you're seeing in fee-based flows

Is it pretty broad-based across all affiliation options? Or is it more concentrated in 1 specific segment

can you just update your NII sensitivity? You highlighted some asset turnover in the low-yielding AFS book

is it fair to think the trajectory on NII could start to get a little better beyond next quarter

Can you give any sense on the timeframe around when those books could start to get back to kind of current market rates

How can any further optimization around pricing affect deposit growth from here

EMEA was the largest contributor to net flows in the first quarter

how do you think about the mix and growth in deposits?

it seems like maybe the implied balance sheet is pretty flat

can you just talk about the environment versus what you're doing to grab share?

Can you flex downward to to maintain positive operating leverage?

is there anything kind of lumpy in there that may be not to get too excited about? Or do you feel like there's a real turn in sort of the organic growth in that space?

do you think there's any acknowledgment of the Tier 1 leverage constraint? And do you think that could also be lowered in the future?

Are you seeing elevated deposit flows and sort of, you know, there's some good volatility for you guys in FX and sec lending and deposits

how much flex do you have in the expense line if revenues are worse? Just be helpful to think about the range of outcomes there

digging into the puts and takes on the NII guide, understand the asset sensitivity to non-US

any sense of how deposits have acted in January, I guess, as a help