Betsy Graseck

“I wanted to dig in a little bit on loan growth. You're clearly very strong this quarter, you noted upside to the original long growth guide to the full year. Can you just walk us through some of the drivers on what you're seeing now?”

“Just continuing along those lines, the question I have is just trying to understand how the efficiency ratio projects as you manage through this process of driving up ROTC and specifically also looking to understand the impact of the severance that we have this quarter when that flows through into the P&L from a…”

“And is it a self-funded capital call or does it pull from other parts of the organization?”

“Bill, could I ask you to unpack a little bit in your prepared remarks, you commented very quickly on the investments that you've been making, we all know, in the branches and in technology, et cetera.”