“I think you will see home lending be stable. And then I think you will see some growth in the commercial portfolios in the second half of the year.”

In context

“thing or guidance is the same, and we feel confident about it. Vivek Janaeja: Okay. That was an important clarification. Commercial loans, your period-end growth slowed a little bit. Any color on what is driving that? Do you expect that to pick up again? And then, of course, what would be the driver of that? Anything? That you can Yeah. Michael Santomassimo: Look at look, the period end number is driven by lots of factors, Vivek. You have some seasonality through the quarter. You saw some you know, tariff related, refund related pay downs, but there is nothing that I would highlight as sort of a change in overall sentiment that, you know, is impacting the clients. And as I, you know, said earlier, I think on the consumer side, we expect to see more growth in you know, in auto and in card. I think you will see home lending be stable. And then I think you will see some growth in the commercial portfolios in the second half of the year. Thank you. Operator: And the last question for today will come from Gerard Cassidy with RBC Capital Markets. Your line is open, sir. Gerard Cassidy: Thank you. Hi, Charles. Hi, Mike. Can you guys share with us on credit Obviously, your credit quality is very strong. The industry is experiencing really good credit. In this period? Are you seeing any signs of risk taking by your competitors in terms of underwriting in the commercial loan area or it could be in consumer If not, what are you looking for as we go forward for some aggressive underwriting that could lead to issues you know, in the next credit cycle. Charles W. Scharf: Yeah. Let me take a stab at it. And, Mike, you can either agree, correct me, or not. I think on the side, we would say, not really. What we see is kind of, you kno”