“The momentum that we've seen in cards, in loans, we expect to continue into 2026, and that's a big driver big factor in that NII momentum we're showing on the page.”

In context

“oan volume to continue. As I mentioned, you are correct what I said earlier. I expect loan volumes to probably be up mid-single digits for total ex markets loans, and, you know, that'll be a again, a combination of growth that we see in cards. We saw good volume growth in cards, you know, this year, particularly on the branded side. We had good purchase sale activity up 5% in the quarter. All signs of that we should see that continue. Good loan growth on the wealth side, particularly in security-based lending type activity, which is tied to some of the investment momentum. Then really impressive, you know, growth in deposits average deposits for TTS for the year, were up 6% and good operating deposit growth. They are a nice healthy balance between North America as well as internationally. The momentum that we've seen in cards, in loans, we expect to continue into 2026, and that's a big driver big factor in that NII momentum we're showing on the page. Then as you mentioned, you know, I've been mentioning pretty consistently quarter over quarter. You know, the way we've been managing the investment portfolio that we have is such that we have this case, in '26, about 30% of those securities maturing. They're maturing at lower rates than we're able to redeploy them at including in loans and cash and securities and other instruments. So that's gonna give us a bit of a lift as well. So it's the combination of those things that give me confidence around the five to 6%. Betsy Graseck: Okay. Great. And then just on the actions to reduce that, so sensitivity, does that play into this at all? Or what actions did you take? Mark Mason: We took some You can look at our IRE analysis, and if you look at it pretty it's been pretty consistent in that y”