Sequential growth in net interest income and net interest margin driven by the repricing benefit on fixed rate loan portfolio and moderating deposit costs.

Strong profitability resulted in CET1 increasing to 10.75% while executing a $200 million share repurchase and raising common stock dividend by 6%.

Disciplined expense management led to an efficiency ratio of 58.2%, with the adjusted efficiency ratio improving 70 bps sequentially to 56.1%.

Strong fee performance was driven by strategic investments, with wealth & asset management revenue up 12%, commercial payments revenue up 10%, and capital markets fees up 9% compared to 3Q23.