Herman Chan

We're seeing improving net interest income, some margin expansion, growing the balance sheet.

We're seeing some acceleration in loan growth and deposit trends look good.

And credit's really stable.

So despite some of the economic uncertainties and potential issues surrounding unemployment, the banks are talking about really stable consumer trends.

So we'd expect that to continue.

We're seeing improving net interest income, some margin expansion, growing the balance sheet.

We're seeing some acceleration in loan growth and deposit trends look good.

And credit's really stable.

So despite some of the economic uncertainties and potential issues surrounding unemployment, the banks are talking about really stable consumer trends.

So we'd expect that to continue.

Trading revenues looks like it beats by a touch.

So that's great to see.

And then on the provision that was down for bad debt.

So it looks like credit quality is holding up really strong for them as well.

And lending is fairly flat relative to analyst estimates.

The beats were really strong, especially on the market side.

Revenues on the markets trading side looks like it's up 17% year over year.

That's higher than consensus and higher than what they had outlined at a recent investor conference.

So really strong results there.

Investment banking fees look a touchdown relative to expectations.