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what kind of momentum you're seeing in terms of merchant acceptance, how the sales changes you made a couple of years
How should we think about what the 6% to 8% means for growth in NII ex markets
I was a little bit surprised that you saw the slight reserve release this quarter given the macro uncertainties
your thoughts on whether you think we're at below trend levels of losses and in what categories
where do you think it could go to as rates come down and deposit growth starts to materialize
what should give us confidence that you're not compromising on risk to get that kind of the kind of growth that you're seeing
is that environment where the markets businesses can continue to stay at current levels in terms of revenues
I'm just, you know, just curious how you how you're thinking about the progress there. Your level of confidence that you're on track to continue to drive higher op leverage
what what's what is still an impediment to. You delivering that kind of return
with the accounting change that should recalibrate to being below call it $53.5 billion
anything you want to highlight there as to what's driving that and any comments just on the durability
I am not sure exactly what up modestly means, if that's 1%, 3%, 4%
it does imply a pretty sharp reduction in '26, especially in light of continued revenue growth
why not up the buyback from the $2.5 billion per quarter level
I noticed that you didn't give the outlook for loan and deposit fair value mark amortization this quarter
Is it fair to say then that the deal at least initially will be EPS dilutive, intangible book dilutive
is that a fair assumption? Or is that is it fair to think that that's sort of a decent cadence for buybacks
how do you think about the risk here to this level of revenues? What is extraordinary versus what is durable
It sounds like this is more of a more generalizable about -- related to the market backdrop as opposed to anything Goldman specific? Is that right
Were you talking about IV fees as a whole, or were you talking about the individual segments
What drove that and, you know, what's driving, you know, the much better results in the durability of that gap
what does it imply about how you see your own core earnings power?
is there anything unusual in terms of RWA progression or VaRs or exposures?
how are you thinking about how much of this is the result of an exceptional trading environment versus something that's more durable
does it make sense or under what conditions would it make sense for you to maybe pull back on some of these investments or do you think that's just completely short sighted
can you sustain this type of profitability in in institutional security
stripping out FirstBank. I get to something in the neighborhood of about 3%
Can you just give us an update on what your strategy is here, what you're doing?
Beyond 2026, can you comment on your ability to deliver operating leverage as you exit 2026 and into 2027 as top-line growth accelerates?
I wanted to ask just about your confidence in sustaining double-digit growth beyond 2026
The guidance implies $12, call it, $12.02 to $12.3 billion of expenses. That does have some level of restructuring expenses embedded in it
how do we think about the new money rates on that $42 billion? What kind of an incremental spread
the non-interest income guide is low-single-digits, which, I assume, is 1% to 3%, which would imply NII growth is a little bit above that range
The volumes have been a little soft though the last couple of quarters
How big can this get either in terms of volumes, loans, revenues?
can we surmise that it will be PPNR accretive by year-end and into early 2027
one of your competitors said that this really isn't a business that makes a lot of sense. For a large regional bank.
You are expecting continued growth as you see a pull forward of some of this activity. And from current levels?
I'm not sure I understand because you're just elaborate a little bit on what the card favorability dynamics are
the much bigger impact came in short-term borrowing costs, which were up $32 million and long-term debt costs
just any color on how you're thinking about corporate payments. You mentioned just economic headwinds there
If I assume the ratio of earning assets to total assets is roughly constant, from here. And apply a 3% NIM you get to over a $19 billion
I'm struggling to see how you differentiate yourself in the merchant acquired businesses. With the exception of maybe Chase
remind us what the through-the-cycle deposit beta you're expecting. I heard mid-40s in Q1. I think like high 40s, low 50s
NII ex-Markets was only up 2% year on year. If I look at loan growth excluding Markets lending, it was up 8%. Deposit growth has been good. It does seem like you are seeing some core margin pressure
Has there been any change in your views of loss content in those portfolios which would influence how you are reserving for those books?
just give us some color on what your expectations directionally are for some of the major fee lines
The equities piece was flat year on year. I know it's a small business at this point
just if you can give us an update on what you're thinking for this business, what the outlook is
do you feel like these are factors you still need to address to sort of remove the shackles