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  "documentTitle": "Morgan Stanley Investor Presentation",
  "authorId": "MorganStanley",
  "authorName": "Sallie Mae",
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      "text": "Total Funding = $ 27.3 billion",
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      "text": "Deposits: Our total deposits of $21.8 billion were comprised of $10.3 billion in brokered deposits and $11.5 billion in retail and other deposits at March 31, 2023. Interest-bearing deposits consist of retail and brokered non-maturity savings deposits, retail and brokered non-maturity money market deposits, and retail and brokered certificates of deposit. Also included are deposits from Educational 529 and Health Savings plans that diversify our funding sources. There were $471 million of deposits exceeding FDIC insurance limits at the end of Q1 2023.",
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      "text": "Long-Term Funding: Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term asset-backed securitization program, totaling $1 billion and $4.5 billion, respectively, as of March 31, 2023.",
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      "text": "As of 3/31/2023",
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      "kind": "title",
      "text": "Conservative Funding Optimizes Net Interest Margin",
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