Discover Financial Services at Barclays Global Financial Services Conference Transcript
Good afternoon, and thank you for joining us. I'm very pleased to be joined up on the stage by Roger Hochschild, the CEO of Discover. We're going to do a fireside chat format today.
Before we get into my prepared questions, I want to lead it off with a few audience response questions for those of you who are -- who want to participate, please chime in. If we can queue up the first question.
What factor do you view as the most likely to determine whether Discover outperforms over the next year: one, accelerating loan growth; two, upside to NIM; three, stable to improving credit; four, improving operating efficiency; or five, other?
(Voting)
Questions & Answers
So a pretty overwhelming 76% indicated stable to improving credit. Is that a question that is top of mind for you these days?
Yes. I think given where we are in this cycle as well as whatever it reads in the
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