“And the steady improvements in our returns continue to give us confidence in achieving our medium term 17% to 18% RoTCE target.”

In context

“. In summary, we had strong second quarter results clearly demonstrate that the strategy we have been implementing to drive growth is working. Revenue growth was broad based with every 1 of our operating segments generating higher net interest income and noninterest income from a year ago. Our continued focus on improving efficiency drove positive operating leverage. The asset cap came off last year, and we had double digit growth in both average loans and deposits from a year ago. Credit quality was strong with improved performance in both our commercial and consumer portfolios. We continue to return significant capital to shareholders while maintaining our strong capital position. As Charlie highlighted, we are seeing strong momentum in key business drivers in every 1 of our businesses. And the steady improvements in our returns continue to give us confidence in achieving our medium term 17% to 18% RoTCE target. We will now take your questions. Operator: If you would like to ask a question, please first unmute your phone and then press *1. Please record your name at the prompt. If you would like to withdraw your question, you may press *2 to remove yourself from the question queue. Once again, please press *1 and record your name. The first question comes from Ken Usdin of Autonomous Research. Your line is open. Ken Usdin: Hey, thanks. Good morning. And Mike, thanks for the color on the second half expected NIM trends. 2 questions I have 1 is just again, to get to 50 billion I think we need to assume that the average earning assets continue to grow at around this 3% pace And given your comments about loan growth and the deposit growth, is that kind of what we need to need to foot forward to get t”