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is enough that we could start to trend towards that aspirational 10% revenue growth
expand on the comments regarding allocating away from cash back and putting this towards fee-paying products
does this in any way impact your ability to generate mid-teens EPS growth
how do you think about the risk of too many players going after the same customer
what could be the potential headwinds to revenue growth that would put you towards the lower end
So Bruce, you've had 4 straight quarters of sequential loan growth. If I look at the drivers of growth, clearly, private capital call, private credit have all been contributors. So maybe you could ...
Bruce, appreciate all the details on the reimagine the bank. I think you noted in the slides that this should add 2% on ROTCE. First, maybe just talk about how much of this hits the bottom line ver...
Bruce, you saw nice loan growth in the quarter. Obviously, a decent amount of it was idiosyncratic given the gains that you're making in the private bank. So I know there's a lot of moving pieces w...
I think the challenge on the outside looking in is that we don't know the starting point of what it's relative to
what is really holding you back from putting out some efficiency parameters out in the future
can you maybe just talk a little bit about whether the acceleration that you've been speaking of has made its way into the results yet
Have any of these investments made it into the run rate? Or are they all incremental from here
do you think we're at or near a sustainable level for the margin over the medium term
is there anything that you can share that can give the market comfort that there isn't significant synergy reinvestment risk and that eventually, this will result in a more efficient, consolidated ...
maybe just talk a little bit about what you are seeing in the data within Capital One, what gave you the confidence to release reserves
what are you seeing from the consumer and how are you thinking about loss performance as well as any other factors that could be impacting losses?
do you expect to continue to be on an efficiency journey, fully recognizing that the cost saves obviously make it easier
maybe just talk more specifically about your expectations for loan growth. And as you're out talking to corporates, do you feel they've gotten confident enough
does it make sense to accelerate your efforts here from an organic perspective? And just how are you thinking about the pacing of your growth initiatives
is that just, like, what it is? Or is that what it is given your thoughts that activity will be delayed
the high end of the loan growth guidance, you know, it does not imply that much growth from the 1Q end-of-period levels
it looks like the run rate for average earning assets a little bit lower from the current level
can you maybe just expand on your expectations for growth
why not be more aggressive at this point given all the tailwinds that you have in front of you
do you think we get earning asset growth along the way
Can you maybe just talk about how you're thinking about the pacing of investments over the short to medium term
can you maybe just talk about what you're hearing from clients in terms of their sentiment and their eagerness to borrow and transact
maybe just talk about the potential to manage the low end or even below given that these changes are coming
maybe just give us a sense of how you're tracking relative to your ranges and what is your confidence in terms of reaching the middle or the upper part of the NII range
maybe just talk a little bit about how you're thinking about the trade-off between growth and returns at this point
Maybe just unpack for us the loan growth guidance, how do you anticipate coming from C&I, from consumer
maybe just talk about where you're getting efficiencies from to create capacity to make these investments
Maybe just talk about what you think that means for the reported capital ratio that you're targeting
Can you help us with how some of the moving pieces have shifted? It is clear credit is better with the guide below 5.50% for net charge-offs
maybe can you unpack the credit guide a bit? Do you expect to be at the low end of that or potentially lower?
can you maybe just talk about what kind of net interest margin is embedded within the guidance?
maybe talk about in terms of Walmart versus everything else? And what do you see as the key drivers there?
maybe just expand a little bit on what you're seeing on the consumer
Maybe just talk about what some of those encouraging signs are and actions that you've taken to lose some credit to drive growth
maybe can you just touch upon like how the discussions have gone with partners? Are you done with the conversations and the modifications you're making?
Can you maybe just talk about what you're seeing -- what gave you the confidence to bring down the upper end of the range?
how should we think about the timing and process as to whether you hold on to -- what's already been implemented, or inevitably, they will be reversed?
Can we maybe just dig in on some of the moving pieces on net interest income?
Can you maybe just talk about the plan for capital return, particularly why it was a little bit depressed in the quarter?
can you maybe unpack what is included within the margin for deposit pricing? And do you expect the NIM to expand from current levels
can you maybe talk a little bit more about loan growth where you ended the year at up eight year over year and you're guiding to three to four