Scott Siefers

is there a sort of conscious change in the complexion of the card portfolio overall that we should expect to see evolve over the few years

I was hoping you could maybe start by speaking to kind of the capital markets dynamics. Obviously, I see the numbers in the first quarter, but curious how you thought the first quarter actually per...

Maybe Chris, was something you could spend just a moment discussing the expected margin trajectory sort of both near term and then toward the 3.25 to 3.50 medium-term target.

I think most of my questions have been answered. I did want to ask Bruce and Brendan, how does the private bank build-out look after we get past this year after you hit the $12 billion in deposits,...

John, maybe wanted to start on sort of that medium-term margin outlook? Can you just sort of add some additional context on what gave you the confidence to bump up the top end of that medium-term r...

how will you sort of think about balancing additional improvement in profitability, returns, efficiency?

hoping to start with you something you can speak to some of the underlying drivers in the core margin

could you talk about what the company's rate sensitivity is going to look like after those actions you discussed around the close?

how you balance the the planned organic expansion with the large integration just to make sure nothing sort of slips through the cracks

how I presume it's all still going to switch to Fifth Thirds rails. You know, how how will what are the sort of the plans for for that to take place?

what's coming in better than you might have anticipated earlier this year? And what are we thinking about the pace of improvement opportunity

I was hoping you can maybe put a little more context around where you feel like got flexibility to cut costs without impairing some of the investments

you have a sense for how much things are gonna need to calm down before customers are comfortable reengaging in sort of discretionary activities

I was hoping you could just provide a little more context as to how you see loan demand developing through the year

How would you characterize your rate sensitivity now versus where you'd like it to be?

how you would decide when and how aggressively to deploy that additional excess

could kind of provide some thoughts on how you see some of the other key areas

What stage would you say you're at in terms of some of the hiring you've done

I think Chris at the beginning, talked about fourth quarter twenty five fees being flat with the fourth quarter twenty four level

Just maybe a thought on where we are sort of with resuming repurchase and sort of order of magnitude in terms of appetite

just basically sort of deposit pricing strategy given the 9 basis points improvement sequentially and expectations that will continue

I was hoping you could expand on what caused the margin to come in a little below your prior expectations

Where do you see the best demand and sort of your willingness to lend in those kind of non-CRE categories as we look out into the course of the year?

Just curious to hear any updated thoughts you might have about how you're thinking about the landscape this year

Do you see anything specifically that would cause you to be conservative

How much more aggressively might you think about things

how you see deposit costs playing out for know, say, these next 50 basis points or so of, Fed funds rate cuts

Maybe you can just sort of bridge the gap and go through any places where you're feeling incrementally know, better or or worse

just a little more thought of why they go up in the fourth quarter

I was hoping you could please expand upon your thoughts on the margin for performance and outlook

I think in the past, you all have talked about the margins potentially expanding up toward, like, 2.90 by the end of the year. Is that something you're still sort of pointing towards

Any rationale behind the thought that third-quarter charge-offs would increase?

Kind of feels to me like based on the first quarter result, maybe you got out of the gates a bit quicker than you would have thought

The slightly higher net charge off expectation into the the second quarter. I mean, it's not huge by any means, but, you know, it's a little higher than you you've run recently

Is that 3%, is it too ambitious to think that's something that you might be able to hit this year?

Just curious now that the dust has kind of settled on the election, maybe just updated thoughts on how you might see demand developing

where are utilization rates versus, say, 90 days ago, where would you hope to see those advanced to

how much will those need to find relief? Or is there simply enough balance sheet repricing opportunity going forward

kind of unpack the fourth-quarter capital markets performance and outlook

some additional thoughts on pricing trends, what you're seeing competitively, and especially how they move from here if we had another couple of rate cuts

Just curious if your thoughts have changed now that you have a smaller competitor in your footprint getting much larger

are those did those indeed align with what you would characterize as sort of portfolios of interest on the credit side

can you sort of discuss kind of the tail of deposit cost leverage from here

If you could spend a little more time unpacking exactly where things are coming in better than you had expected

how much of that is just sort of naturally lower cost due to less revenue-driven activity and versus how much might be, you know, actual cuts or delays

give us your sense for the degree to which things at least your perception regarding the degree to which things will need to settle down

how you see deposit pricing evolving. I know what you're sort of through-the-cycle beta expectations are on the way down

How much would you say is sort of confidence in your own outlook versus just sort of panning in the risk-weighted asset release

could you please provide just a little context regarding just more specifically, how the lack of likely Fed fund rate cuts impact things

Maybe you could just sort of expand on your thoughts about momentum and potential there for the coming year

any factors that would cause you to toggle down or up that pace of repurchase to get to the sort of net $4 billion

I think you both have been pretty clear that you all are focused organically. Just curious for any updated thoughts or if your thoughts on them may change at all now that the ground is sort of shif...

I'm just curious if you can expand upon the options you see with deposit pricing now that the Fed is lowering rates again and what gives you confidence on that growth momentum into next year as well

given the small step down in the anticipated pace of repurchase in the third quarter

I was hoping you could spend just a quick second sort of expanding upon your thoughts on sort of overall sentiment among your customer base

how your thoughts would change if we got either more or fewer cuts than the two you've envisioned in the guidance

where your customers are? How you might expect that loan demand to evolve as the year progresses

really good commercial loan growth, maybe if you could touch on sort of what you're seeing in terms of utilization rates

Would you sort of manage to that level or maybe let some incremental revenues drop to the bottom line if they came in better?

Can you please speak to how you might think about the pace of share repurchase as this year plays out given you're increasing the capital ratio toward the 10% CAT two target?

Given all the noise regarding whether it's credit card rate caps and then, you know, newer chatter regarding the Credit Card Competition Act.

Are we kind of at a point where we could expect to start to see more visible momentum?

where the margin goes from here off the 2.66% base. I think you mentioned part of the linked quarter decline was sort of transitory

any change in sort of the expected balance between NII and fees? I know you'd talked previously about sort of mid-single-digit fee growth

what changes, if any, you've seen since all this uncertainty really ramped up and if there's been any change in particular since early April

how much comes from NII, how much ends up coming from fees. And maybe -- and then I guess a little clarification

how you balance the good quantitative risk-reward against the qualitative aspects of the amount of airtime it consumes and how that discussion goes, if at all.

Maybe a thought or two about what it would take for customers to start to pull back on some of their borrowing plans given all the volatility, macro concerns

address sort of this increased volume around credit card rate caps

expand a little on your thoughts on NII, particularly ex markets

hoping you could expand a little on your thoughts on the overall health of the consumer

what you're seeing and expecting on the deposit cost side now that the Fed's in sort of this round two of easing?

one of the questions that I get pretty to revisit medium-term return targets

what are the other factors that will allow NII to grow?

customers are still eager to do things once we get past all this turmoil?

where you feel like you're most confident and try contrast what might need to be right