so us. It’s you I sheet touch is slightly balance at and outlook website on time and Day our for after you, Good everyone. spend our for morning, important few topics on given Investor disclaimer I quarter, that Operator. review this the The ask results, on longer as a available please that will are we Thank the our having to XXXX, top back. presentation as well always as mind not refer we some of are
fourth delivered page income billion on billion on and for approximately of one Included of $X on in these billion, credit XX%. starting revenue EPS $XX.X net results So The $X.XX are a common tangible of the releases. firm equity reserve reported $XX.X return of quarter.
we more get our highlights. on I just Before touch few a detail will on performance, into
year-on-year. was X% saw clients cash our the share and metrics billion to system, another our mix, income primarily the X.X%. fourth two down year-on-year continues corporate pandemic, was and up up grew and on billion customers by $XXX balance XX% billion revenue X% On demonstrate strong our and page balance for record overall and revenue CIB X% approximately partly Net revenue sequentially, $X.X year-on-year interest sheet up more increase resilience $XX a of of We expansion higher Non-interest in quarter. billion of and driven to that revenue quarter-on-quarter. reserve both billion lending. XX% while or remains year-on-year. up saw shortly. XX% lower amount driven as lower investments. had expenses, were deposits, $X.X NII. X%, cover growth benefit $X.X XX% And costs on of revenue of muted X%, or by elevated in markets growth on year-on-year, higher IV in offset of continued client volume far. more in thus were the of Revenue primarily activity AWM production we off, quarter Fed the Expenses growth On to First $X.X will was releases sheet offset rates or results. loan partially evidenced net home higher in year-on-year, and related in quarter by legacy financial $XX.X investment billion was to driven by year-on-year and volatility in detail and face and banking strong investment unprecedented up fees, $X an Credit down by credit million billion, down gains in of continue as our continued strong I markets momentum In we
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improvement on we We Lending. reserves of billion with continued access reserve due capital to to liquidity. expiring released released Home expectations remain especially improving nearly benefits. turning in we coming to run-off. page macroeconomic of and and HPI pre-pandemic we and scenarios near-term, from And and Wholesale, cautious ability Now to with consumers $X still on Wholesale portfolio across markets to to the clients the in a number four. times lesser our released potential payment and levels quarter $XXX about reserves we approximately billion In primarily this as lending, Home unemployed the million of Card, flat Starting extent held two $X shock
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employees earnings relentlessly customers, on communities. challenging benefits up, our while year. power to wrap focused company, it showcased resulting So an incredibly supporting our diversification also our was But XXXX the the clients of our and and of and scale,
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Operator, for open So with the that, line Q&A. please
