Our focus remains on growing high quality, consistent, and sustainable earnings. We plan to achieve this by continuing to scale our franchise, maintaining disciplined expense management, while investing in technology and talent to support long-term growth, as Joe mentioned, protecting the balance sheet through prudent risk management and deploying capital strategically to drive long-term value.

Jan 22, 2026 / receipt

The broader expense base remains well controlled and we continue to target positive operating leverage through revenue growth, margin expansion, and disciplined expense management.

Apr 23, 2026 / receipt, needs a key / Jared Wolf, CEO | earnings call 2026-04-23 | transcript 81adc686-43b0-4d3b-a88e-ee85626c670a | chars 12668-12848 | segment 13

Our focus remains on growing high quality, consistent, and sustainable earnings. We plan to achieve this by continuing to scale our franchise, maintaining disciplined expense management, while investing in technology and talent to support long-term growth, as Joe mentioned, protecting the balance sheet through prudent risk management and deploying capital strategically to drive long-term value.

Jan 22, 2026 / receipt, needs a key / Jared Wolf, CEO | earnings call 2026-01-22 | transcript 3c113d0d-78d5-42a0-9c02-0dc54caf6208 | chars 14786-15183 | segment 14

One of the successes that we had last year was we actually distributed - We decentralized some of our expense management. I gave to all of our business unit leaders and functional leaders their own budgets and said, you guys manage your budgets. I'm going to stop approving everything.

Jan 22, 2026 / receipt, needs a key / Garrett, CEO | earnings call 2026-01-22 | transcript 3c113d0d-78d5-42a0-9c02-0dc54caf6208 | chars 32619-32904 | segment 33