Shaul Martinez

“I'm going to get into the weeds on some of the numbers with some of these questions again, but on your NII guidance, that does include Amazon 80 million, 75, 85 million a quarter, that, you know, half a quarter, that's about one percentage point of benefit in terms of the year on year growth.”

“Back on loan growth, is there, I mean, do you guys feel like there's an element of conservatism being built into the second half guidance of, you know, roughly in line with nominal GDP growth?”

“So just one question, but I wanted to hover on the investment theme as it relates to the cards business. business um you know you've invested there quite a bit you rolled out the strata card you you bought the barclays portfolio um and but when i look at your your business versus your best in class peers capital one…”

“I know for 26, you're expecting expenses to track loan growth. But beyond 26, is the idea – can you just comment on your ability to deliver operating leverage as you exit 26 and into 27 and, you know, top-line growth accelerates?”

“I wanted to follow up on the investment banking outlook. Good quarter, high-team growth expectations, which is off of maybe some easy comps off of the first half of last year.”