Manan Gosalia

“Tim, a lot of conversation and debate through the quarter on the potential risk to deposit from AI-driven cash optimization tools. I was wondering if you can give your perspective on what that could mean for the banking industry and how Fifth Third might choose to respond over time?”

“I wanted to ask on commercial loan balances. The average loan balances were essentially flat sequentially. And, you know, I think utilization rates declined slightly.”

“And then maybe on the upcoming liquidity rules. So, you know, we should get a proposal from the regulators at some point, giving banks credit for pledge collateral with a discount window.”

“So I just want to clarify the comment on the capital side. So the 13.1% capital target for next year, that excludes finalization of the capital rules. Once we get finalization and, you know, maybe as you go through the stress test and you see the results of that, revisiting that 13.1% is still on the table?”

“I know you've previously spoken about interest-bearing commercial deposits leading the growth initially and then lower-cost operating balances coming through over time.”