“I do believe our expectation is that we will see growth in the commercial side.”

In context

“onawala: Thank you so much. Operator: Your next question comes from the line of John Pancari with Evercore ISI. Your line is open. John Pancari: Good morning. John Stern: Good morning. John Pancari: John, thanks for the colors so far on the guidance. I guess similarly, can you walk through your -- within the NII expectations you provided, can you walk through your expectation for loan growth for the year and how you expect that could traject? I know your side of demand weakening. And then the same thing on the deposit front, you can maybe give us your expectation of how you think growth can look like on an overall basis and maybe how the NIB, the noninterest-bearing mix could traject from here? Thanks. John Stern: Sure. So, a couple of things there. So, I'll start on the loan growth side. I do believe our expectation is that we will see growth in the commercial side. Of course, that was a little bit weaker this last quarter as we experienced pay downs, particularly as clients were accessing capital markets and things of that nature. But we've seen really a good pipeline build in that. We expect utilization to pick up and things of that variety. So, we feel like that, along with credit cards, will be good sources of growth for us, as we think about loan growth going forward. On the deposit side, as a reminder, we'll probably be lower in the first quarter. We seasonally lose deposits just as we kind of go through the year-end process and just given the mix of our businesses, deposits end up being a little bit lower in the first quarter, but then we see more or less stabilization. But there might be some headwind there, particularly depending on QT and h”