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Could you talk a little bit, Alastair or Brian, about the time line for kind of where you are today with [ 11.4% ] to the target you laid out
What's the ambition to get to the lower end of the 16 and then the 18 over time
What are you expecting for deposit beta across your various businesses
just wondering broadly how you're feeling about the environment pipelines and investments made in those businesses
how do you look at and measure the team's progress in growing retail deposit share
Can you elaborate on the outlook for the second half
any change in weighting of scenarios for the tariffs, and was it set with a three thirty-one view or early April view?
you previously were looking for the full year expenses this year to be up 2% to 3% over last year. How are you feeling about that?
is the deposit growth in the model that you've laid out the year being used to pay down more expensive funding?
how are you thinking about the CET1 target and the buffer that feels appropriate in this environment?
Could you give some context to the target for 60% for the full year?
could give a little bit of a take on the new Basel and GSIB proposals and what they mean for Citigroup Inc.
the 60 is a is a waypoint itself. It's not the destination for efficiency ratio. Is are both of those fair
the mid-upper end of the range implies a little bit higher losses than the actual 2025 loss rates, particularly on retail service
is that fair that you see a path for directionally down expenses next year even if revenues are strong
what's the ultimate end state for the $3.5 billion or so in transformation spend
what you saw in terms of delinquencies and roll rates in the second quarter
are you still thinking about that kind of sub $52.6 billion as a goal for next year
an update on where that stands and assuming that marketing conditions create some risk to the timing
Is there still some room to go there? And then also, could you maybe increase the pace of DTA utilization
is that kind of assuming you'll be around the target or like using the 13.1% as the target
could you clarify what you're expecting this year for card net charge-offs
any changes to your outlook for loan and deposit growth, your balance sheet growth was very strong this quarter
Could you talk about scenario weighting and how you're evolving views on the macro risks out there factor into your reserve setting process
in terms of the Apple Card acquisition, maybe you could talk about the attraction of that business to you guys
could provide some thoughts on the idea of regulators putting caps on credit card APRs
what are some of the other key assumptions in there particularly around commercial deposits and maybe loan growth and rates
wanted to ask about the retail deposit assumptions that were embedded in that. At Investor Day, you had discussed an expectation for deposits to grow 3% year over year by the fourth quarter
Could you remind us of what's given you incremental confidence in seeing some improvement in deposit margin and kind of producing that mid- to upper single-digit deposit growth
in terms of the NPAs, the nonaccruals in consumers seem to have a bit of a jump. Is there something technical there
how does this type of macro uncertainty impact your thinking around conserving capital as opposed to deploying it through your investment agenda and buybacks as the stock gets cheaper
no change to the full year credit card net charge-off forecast. How do we square that with the rising recession risk
when we think about the investment spend agenda this year. How does it differ from, say, last year or last couple of years across lines of business
what's the framework for thinking about the opportunity cost of sitting on the growing base of capital and how high you might let that go
how does that interact with your goal of improving the ROTCE towards your medium-term goal? And do you expect to be able to lower the TCE because of these possible changes
Could you give us a sense of the breakdown there between credit risk RWAs and what is driving any potential improvement there, as well as your initial take on op risk and market risk?
Does the growth in markets NII that you expect in '26 have a trade-off in the trading fees?
Any more color on just what drove that?
Are you seeing new customers to the bank in card?
give some more color on loan growth, which seems to have good momentum
How did the environment impact this quarter, and what should we keep in mind
I was wondering if you could give a little more color on what you saw with the commercial loan growth
unpack the deposit expectations embedded in Slide 18 and the NII outlook
Where are you on card profitability now? Is that an upside driver to ROE?