michael nova gretz is the ceo of galaxy digital -- michael nova gretz -- mike novogratz is the ceo of galaxy digital. the day banks to coinbase, you bring this interview with michael, so we really appreciate your recording, sonali basak. coming up, we will ask if regional banks are just as optimistic about the economy is wall street. this is bloomberg. ♪ amanda: this is bloomberg markets. i am amanda lang with matt miller fulton we are taking -- keeping our eyes on citizens financial today as it beat analyst estimates for we have the chair and ceo with us. bruce, thank you for being with us. today we see softness and the stocks. give us your flavor on the quarter. what do you see by way of -- on the commercial banking side come are you seeing a real kind of rebound at this stage? bruce: i characterize the quarter as led by strong results in our people businesses, particularly capital markets, so we had a good quarter in emma day and underwriting, -- in m&a and underwriting, which is great to see. our mortgage business is starting to suffer a little bit in decline and on sale margins.