The earnings call presents a mixed outlook. Financial performance is strong with a 17%+ ROE and growth in wealth management, but concerns about CUSMA and economic uncertainties persist. The Q&A reveals cautious sentiment, with management avoiding specifics on key issues. While AI investments and capital market prospects are positive, uncertainties in trade and sectoral impacts in Ontario dampen enthusiasm. No clear guidance adjustments were made, balancing positive and negative factors, resulting in a neutral stock price prediction.