Financial Performance - Net income available to common shareholders was $514 million in 4Q25[4], a decrease of 6.2% QoQ but an increase of 1.2% YoY[59] - Total revenue was $1.921 billion in both 4Q25 and FY25[4] - Adjusted non-interest expense was $1.112 billion in 4Q25[4], and $4.331 billion for FY25[4] - Pre-tax pre-provision income was $823 million in 4Q25[4] - The efficiency ratio was 56.8% in 4Q25[4] Loan and Deposit Trends - Average business loans decreased by 1% QoQ in 4Q25[11] - Average consumer loans decreased by 0.4% QoQ in 4Q25[11] - Ending deposit balances increased by 0.6% QoQ in 4Q25[15] Net Interest Income (NII) and Margin (NIM) - NII increased 2% QoQ, reaching $1.294 billion in 4Q25[16] - NIM increased 11bps to 3.70% in 4Q25[16] - Interest-bearing deposit cost was 1.85% in 4Q25[20] Outlook - The company expects full-year 2026 NII to grow between 2.5% and 4%[21] - The company expects FY26 adjusted non-interest income to grow 3% – 5%[28] - The company expects FY26 adjusted non-interest expense to be up 1.5% – 3.5%[33] - The company expects FY26 net charge-offs to be between 40 and 50 bps[41]