Client AUC/A increased from $13.60 trillion to $15.40 trillion, primarily due to favorable markets. This is a positive signal.

The company continues to focus on efficiency in operations to reduce costs. This is a positive signal.

Company is working to address climate change. This is a positive signal.

Noninterest expense increased from $4.98 billion to $5.28 billion, indicating challenges in controlling expenses. This is a negative signal.

Company is working to improve diversity. This is a positive signal.

Company is working to improve cybersecurity. This is a positive signal.

The company acknowledges its dependence on fee-based business, which is susceptible to market volatility and economic downturns. This is a negative signal.

The company highlights the potential for operational disruptions due to technology failures and security breaches. This is a negative signal.

The company acknowledges the potential for regulatory non-compliance to result in penalties and restrictions. This is a negative signal.

The company acknowledges intense competition in all aspects of its business. This is a negative signal.

Company is working to differentiate itself. This is a positive signal.

Company is working to improve efficiency. This is a positive signal.

Noninterest expense increases. This is a negative signal.

Company is working to optimize geographic footprint. This is a positive signal.

Company is working to improve operational resilience. This is a positive signal.

Company is investing in cloud technologies. This is a positive signal.

Company is working to expand digital skills. This is a positive signal.

Company is working to improve technology infrastructure. This is a positive signal.

The company repurchased shares, returning capital to shareholders. This is a positive signal.

Capital distributions are subject to regulatory capital plan rules. This is a neutral signal.

Company is working to maintain a strong capital position. This is a positive signal.

Company is working to create an inclusive environment. This is a positive signal.

Company is working to promote diversity. This is a positive signal.

Company is working to support community development. This is a positive signal.

Macroeconomic conditions and uncertainty in the global economy could have a significant adverse effect on our earnings. This is a negative signal.

Changes in the monetary, trade and other policies of various regulatory authorities, central banks, governments and international agencies may reduce our earnings and affect our growth prospects negatively. This is a negative signal.

We are subject to certain risks inherent in operating globally which may affect our business adversely. This is a negative signal.