John Stern

“Jerry, thank you so much for the introduction and having us here at this conference. It's great to see everyone out in the crowd. I'll just comment, obviously, on our disclaimer page in terms of forward-looking statements.”

“Third quarter results reflected another strong quarter and demonstrated continued execution against our strategic priorities, generating meaningful revenue growth and significant and positive operating leverage.”

“We talked about net interest income being in that 4% to 6%. We anticipate being on the high end of that range on a year-over-year basis. Fee revenues, we mentioned to be 12% to 14%.”

“This was another strong quarter for us as we continue to execute against our strategic priorities. We delivered meaningful revenue and fee growth, significant positive operating leverage, and improved profitability metrics that are well within our medium-term target ranges.”

“Just to give a little color on some of the components, net interest income, we talked about 6% to 7% year-on-year growth. We'll be toward the upper end of the range on that.”