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system
what is expense growth in this diagram?
user
the "c." is probably circa, or "about."  regulatory settlements is in blue because it's negative; the amount is in parentheses, which indicates a loss. wb and cb might be wholesale banking and commercial banking? bau probably means "business as usual" or things that don't directly apply to the project. incremental investment is the additional cash a company puts towards its long-term capital assets. fx is probably foreign exchange.
assistant