Janet Leigh

“I appreciate all the color around the betas for your different types of deposits. Did that include the Eldorado $2 billion of low-cost deposits? Could you maybe just put the pieces together and give your rough estimate around what the combined beta on your interest-bearing deposits could be this cycle?”

“So just following up on the Cat4 liquidity build, you said you're not contemplating it near term, but you may revisit the plan if the asset threshold or the regulatory threshold gets lifted ultimately.”

“Could you give us some puts and takes around the CNI growth? I understand that the decline was really driven by the lower NDFI. How about on the core CNI side and the outlook there on the low growth front going forward?”

“On institutional services, I know that there's a big portion of that growth is coming from the market share gains, specifically on the corporate trust side, but you've also been benefiting from the secular tailwinds from the private capital securitization.”

“On expenses, can we assume that the professional and legal fees are trending down in the second half of 26 and through 2027? I believe this line item has been elevated because of the transformation efforts that have been ongoing for the past few years.”