Jane Fraser

So our focus is on what is the wealth proposition for those, as well as supporting the companies and the engines of growth behind them.

It's a great question.

I think AI is certainly changing a lot of what we're expecting we're going to need in the world going forward.

So from Cidi's point of view, for example, we see this as an opportunity to really train up our talent.

How do we empower our talent to use the AI tools so they can be smarter in front of clients, they can spend more time serving clients and coming up with solutions as opposed to the more chore elements.

of being a banker.

We don't know how quickly it's going to change, Steve.

So there'll be certainly a lot of shift in coding jobs.

We've seen that already.

Our productivity is up 9% year over year for our coding teams.

But there's going to be new jobs created too.

None of us quite know yet exactly how the timing will play out.

We know there's a lot of change ahead of that.

But our approach is we're going to invest in our talent.

Our firm is growing and that should be able to support the needs going forward.

The growth plans that we have going forward, because we are on the front foot, I cannot stress that enough.

And you can see it in our results.

So all of our businesses, we're taking share, we're growing very quickly, and our returns are improving.

So as we're looking forward, it's growth.

Let's take India.