“We should see some card growth as we go through the year, and we should start to see some growth in the auto portfolio as well.”

In context

“at the growth outlook? Mike Santomassimo: Yes. So, maybe I'll start on the loan side. So, as I said in my commentary, like we're expecting to see a little bit more of it as we get to the middle and second half of next year. So, we may see a little bit in the first half, but it's not be more meaningful as we go later in the year. I would think of it as like low to mid-single digits depending on the category of loans. But obviously, some of that will be dependent upon the overall backdrop that we're in. As you look at the consumer side of the picture, mortgages will likely continue to decline a little bit given sort of the rate environment we're in. We did see a little bit of incremental refinance activity in the fourth quarter. But now with rates back up, that seems to be back down again. We should see some card growth as we go through the year, and we should start to see some growth in the auto portfolio as well. On the commercial side, some of it will be new account new client growth as we go through the year. We've been adding bankers across different categories. We do expect to see some growth in the markets business as well to drive some loan growth. And so, it should come from a lot of -- a little bit from a lot of different areas across the population, but I would expect to see that a little bit more as we go into middle and second half of the year. John Pancari: Great. And then separately on capital, 11.1% CET1 pretty solid and you still bought back about $4 billion this quarter. How should we think about the buyback appetite as you look at 2025, assuming that you do see some improvement in organic growth opportunities, how could that influence your pace of buyback. Mike Santomassimo: Yes.”