Peter Winter

Nice to see average loan growth turn positive this quarter. Was just wondering, could you provide some additional color on the drivers to loan growth going forward and maybe how loan demand has cha...

Can you talk about what the ideal interest rate is -- interest rate environment is for Citizens and yield curve? And conversely, what type of rate environment would put the NIM outlook potentially ...

where are you in the process of repositioning Comerica's balance sheet?

now that you spent more time with the company, you're getting some early wins on the revenue synergy side, do you see upside to that number

you'll have roughly $290 billion in assets and become a category three bank. Does that happen when the deal closes or is it kind of a four-quarter average

that you're going to take a step back look at the processes to see if you could have done anything differently. And, of I'm I'm just curious what you discovered

you've got your breakdown of the shared national credit portfolio. It's 27% of loans. And just in a downturn, there always seems to be market concerns

you upped the average loan forecast and you've got very good momentum in the first quarter on that margin expansion. But didn't change the NII guidance

there was a $76 million increase in nonperforming assets on the C&I side. I was just wondering what drove the increase?

how are you thinking about the efficiency ratio over the medium term? It has been stable the past 5 quarters, around 59%

why not reposition some of the securities portfolio now and pull forward some of that benefit and lock it in?

last quarter, you talked about the margin hitting 3% plus at some point next year. What are the main drivers to get there

do you still expect to be at that upper end of that range of $162 billion to $164 billion?

would you expect some of that growth maybe to moderate just as discretionary spending is slowing and consumer prices are starting to rise as some of these tariff pass-throughs are just starting

are there any loan portfolios maybe you are watching a little bit more closely? Or any portfolios causing you to tighten underwriting standards

can you talk about borrower sentiment today in terms of loan demand? And what you think it will take to get them to be more aggressive

can you talk about where you are in the process of the modernization of the platform

do you see risk of losing market shares as these bigger regional banks are coming into your markets

Do you think net charge-offs come in above the upper end of that 40 basis points to 50 basis points in the first half

would you pull back on these investments if revenue growth comes in a little bit weaker than expected given this focus on positive operating leverage