Expects loan growth to partially offset lower rates. Sees FY24 net interest income ~$90B, market dependent. Expects FY24 net interest income ex markets ~$88B, market dependent. Sees FY24 adjusted expense ~$90B, market dependent. Adjusted expense excludes firmwide legal expense. Expects FY24 Card Services NCO rate of less than 3.50%. Comments taken from investor presentation slides for Q4 earnings conference call.
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