David Conrad

“Going through the pleasantries there, but I wanted to talk to Jason a little bit about the guide, maybe run through a little bit of the NII because that seems all of a strong quarter kind of flat next quarter.”

“I wanted to talk a little bit about maybe the star of the quarter, Wealth Management, I think it was up, you know, high single digits quarter over quarter. So, and I wouldn't think this would be a seasonally, you know, strong quarter.”

“You know, the operating leverage story here has been pretty remarkable. And you're at an efficiency ratio, you know, roughly around 48, a little bit better than 48%.”

“Most of my questions have been asked and answered, but just to follow up on the sustainability of capital markets, I mean, maybe talk a little bit about how some of your core expertise in your products that may kind of fit with potential, you know, budget of the Canadian government in spending an infrastructure.”

“And then maybe just to follow up on loan yield, you know, the driver for the increased loan yield is on the consumer side. Maybe, you know, we're still seeing declines on CRE and commercial loan yields as you start to grow the pipeline and the loans, you know, come on the balance sheet.”