Offer your thoughts or opinion on the input financial query or topic using your financial background.

What is expense growth in this diagram?
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.