Don Fandetti

“Steve, if you look at the banks, they're just continuing to press hard into the premium segment, adding billions to the marketing budget. I wanted to just get your sense on how you're thinking about market share and U.S. consumer.”

“Can you talk a little bit about the competitive environment, you know, from your sort of legacy lending or bank competitors and then also the digital side and, you know, whether or not you feel like you need to make any bolt-on acquisitions or any portfolio opportunities out there?”

“Steve, it sounds like, you know, you're feeling a little bit better about SME launched a pilot on the expense management software. where I guess I'm trying to understand, is this more of a discussion around, like, the pace of built business growth?”

“Can you just talk a little bit about what you're seeing in the office market? It looks like you added two office loans to the watch list, but also getting repaid as well.”

“Steve, can you talk a bit about your confidence in enhancing the expense management offerings for the middle market SME customers, and I guess, is this an area of focus in terms of the sort of incremental investment?”