John Pancari

Just on the private bank side, just what -- see if you can give us just a bit more color in terms of what are you seeing in terms of the mix of loan growth? How much momentum are you seeing on the ...

Given all of that, and given where you're running right now in terms of your expense growth, how do you think about the pace of expense growth that's reasonable as we look at 2026?

You have a couple of peers out there citing some intensifying competition. We've heard both a bit on the loan pricing side as well as on deposits. And so I just want to see if you can give us a lit...

Just on the balance sheet growth, just wanted to see if you can give us a little bit more color around loan demand, what you're seeing here in the -- in this backdrop? Are you seeing -- what are th...

Can you just update us on any incremental M&A interest, how would you approach other opportunities

could you possibly some details on the tangible book dilution and earnings accretion and maybe book value earn back

how should we think about a reasonable near-term or medium-term efficiency ratio as you have now sized up the required investments

what type of costs are included in the upfront integration costs that you indicated are likely to come in higher? And then what types of investments are netted against the $1.5 billion in cost saves

Does this 42% range remain the case as you look at 2025 or do you see a change to the upside or the downside

have you changed -- made any changes to your expected deal metrics tied to the Discover deal, either the 15% or greater of EPS accretion

have you made any changes to your initial assumptions tied to the Comerica transaction outside of timing?

how do you view the return profile for the third as you're looking at ROTCE, and operating efficiency for the year

How are you thinking about M&A here, both from a non-bank M&A perspective, but also for -- in the whole bank perspective

Can you give us a little bit of color on loan pricing and spreads? Has that impacted your outlook at all?

if you could just maybe update us on your thoughts around potential incremental M&A interest

is it pricing that's getting you there, or is it just getting stepping up the focus in these areas where you haven't had the

Could you maybe give us a little bit of color on where you're seeing that success? Is it tied into the new efforts on the certain product side

buybacks are still kind of on hold. How long do you see that? Do you see a potential change in that outlook

can you maybe help us with the new money loan production yield that you're bringing on these new loans at

if anything could impact that pace of buyback? How do you think about any potential inorganic opportunities

one or two of your peers have cited a bit more aggressiveness out there on the lending front, particularly on structure

could you maybe give us your deposit beta assumption that underlies that margin exit rate

can you maybe give us some color on the components

how should we think about a reasonable level of operating leverage as you look at the year end

Is there any other way you could help us with sensitivity

What are the industries? And what type of lending do you expect to be the -- to gain the greatest momentum within the C&I book

Where is it on your priority list and would you consider smaller transactions at all on that front

if maybe you can elaborate a little bit more on your loan growth assumptions

can you give a little bit more color around the rationale in keeping that 20%

What are you seeing that is making you say that? Is it pricing, terms?

can you update thoughts—both bank and nonbank—given the backdrop?

Are you seeing you mentioned CapEx in your prepared remarks. Are you seeing some drawdowns tied to CapEx? Are you seeing line utilization tied to that?

What is keeping you from moving that lower? And as you get clarity on the regulatory front. And once you do have that confidence and the ability to move it lower, can you help us frame where you th...

What are you seeing there in terms of front-end loan spreads on the commercial book?

Can you just give us a little bit more detail in terms of what you are seeing on the C&I front? That is contributing still to the sluggishness, or are you beginning to see some green shoots there?

Can you maybe give us your thoughts on the pace of buybacks through the remainder of the year? I believe you had indicated the $4 billion authorization could be completed over six quarters

are you seeing any line utilization or line drawdowns out of precautionary concerns by borrowers given the recessionary environment?

Can you talk to us maybe -- can you break down the incremental CRE decline that you expect and where you expect that could bottom

Do you expect that you could see continued reserve releases through 2025? I know you -- the reserve declined about a bit this quarter

Can you update us on the outlook here in terms of pipelines

give us an update on where you stand on M&A interest given the backdrop

it sounds like you were pointing to that 6 to $700 million quarterly pace as something that could continue?

how we should think about a targeted CET1 as you look through 2026?

What are you seeing right now in terms of broader commercial loan demand?

your updated thoughts around fixed asset repricing opportunity. Is that changed at all given the moves along the curve

Can you maybe talk about what you're seeing out there in terms of loan pricing, particularly as loan growth is accelerating

Can you just give us a little more color around the drivers and what specific areas in C&I are you seeing that? And is there any of that transient in terms of potential line draws just to fund some...

Are you seeing any erosion in any of the pipelines out there on the M&A side or capital market side just given the uncertainty, any deals getting pulled?

I want to see if you can unpack the 5% growth outlook a bit for 2025, maybe just look at the most noteworthy drivers

How should we think about a reasonable pace as you look at 2025?

if you can elaborate on the competitive backdrop that you're seeing in the Southeast

If you can give us a little more color there on where spreads stand, what loan types are you seeing that compression

give us your updated thoughts around M&A potential whole bank M&A

can you just kind of frame how you're thinking about the pace of buybacks as you look at the capital need for organic

How much of the rationale in these portfolio shaping actions is driven by the rate environment and the backdrop versus the credit risk dynamic

is this more a function of a more proactive posture by Regions Financial Corporation to address some of these lingering and, you know, previously identified issues

what is the potential that it could continue to increase even after that and be more of a growth headwind

What are you seeing in terms of line utilization trends? And what are the biggest drivers on the commercial side from here

on competition and the competitive backdrop, certainly, heavy focus around the Southeast markets hearing some pretty clear commentary around a step-up in loan pricing competition

Do you think that as growth remains muted that that actually facilitates a higher pace of buybacks

What are you seeing in terms of line utilization? You know, was there any pre-tariff drawdown that you saw that could be more of a pull forward

Where are you seeing pressure on returns today that are influencing the pace of growth? Is like as you look at it by loan type or by geography

does that incorporate an increase in your IT budget? I believe it's currently 9% to 11%, but you had signaled that it might be moving higher

Can you talk a little bit more specifically about what you're seeing amid your lower income cohorts?

Can you maybe help us frame the how you think about the potential pace of buybacks as you look at the fourth quarter and into 2026

what does a stressed charge-off level look like for Synchrony given your current business mix, your credit tightening as of today

does that include a widening of the credit box from here, just given how your credit has performed?

could you give maybe a little bit more color around this decision? And what could change this view?

what are you actually hearing from your folks in D.C. post the election in terms of potential CFPB action

could you maybe just update us on your growth expectation there

Your peers are flagging the mid to upper teens in terms of ROTC over time. Can you possibly talk about that

could you possibly help kind of unpack the components that give you that confidence

On the revenue front, for revenue growth to more than double, can you possibly help us break that out a little bit

Any way to help us frame that as well? I know you don't want to be too specific, but just trying to gauge how much of efficiency improvement is baked in

talk about the ability to drive the positive operating leverage regardless of the uncertainty on the top line

where in the back half do you see commercial growth accelerating And maybe what areas and what would be the drivers

Is the pipeline continued to build and you're just getting a delayed pull-through of the transactions

if you can give us a little more color around what you're seeing in terms of demand. Maybe if you could talk about utilization

Is that a reasonable pace as we look over the remainder of the year just given your current capital position

Could you just remind us what are the most material areas of investment that you flagged

What does that imply in terms of how we should think about the pace of deposit growth? And what are you seeing on the deposit pricing side?

how you're thinking about the buyback expectation

If revenue doesn't cooperate, can you discuss the flexibility that you still may have to achieve the 200 basis points plus and positive operating leverage?

Could you possibly help us and kind of how that think about how that could play out for the full year in terms of some of the, you know, the balance sheet dynamics

the payment side, can you give us a little more color in terms of the drivers of the growth that you're seeing there

Could you give us just a little more color in terms of your confidence in that front or in that pace as you look into 2026

How much of that decision to revise that was coming from the NII headwinds?

is there a scenario with the improved regulatory environment that you would consider another bank acquisition

what are the areas that you actually have leveraged? What areas can you pull back materially in cost where you already haven't done so?

can you give us maybe your thoughts around the net interest margin trajectory as we look through the year

has that changed at all or just given the election results and how comprehensively we expect a regulatory supervisory role change

Can you help us frame the broader private credit exposure and any impact of regulatory input around this?

Can you talk to us about any pressures that you are seeing that may move you off that target, or give more detail on your confidence in attaining that target

I know your loan yields declined by about 19 basis points linked quarter

help us update us on your deposit gathering strategy overall

can you maybe help us in how to think about the efficiency ratio that you baked into that assumption?

talk to us a little bit about the cadence of getting down to that 10% to 10.5% level

where are you seeing that competitive pressure come from? Is it private credit?

could you talk about what kind of loan growth assumption you kind of built into the NII outlook for the back half of the year

you mentioned you used to previously say that your NII guide assumes the asset cap remains in place

give us a little bit more color on the loan yields this quarter

How are you feeling about the pace of buybacks as you look forward

are you seeing any indications of borrowers beginning to drawdown lines as a precaution

How should we think about the buyback appetite as you look at 2025

how we could think about that in terms of level and trajectory? Should it be near GDP?