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  "documentTitle": "IMD Morgan Stanley Final 13 June 2019",
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  "authorName": "Regions",
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      "kind": "callout",
      "text": "Low Cost Deposits Drive Franchise Value",
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      "kind": "disclaimer",
      "text": "Source: S&P Cap IQ and SEC Reporting. Avg deposit balance changes cover FY19 to FY24. Peer balances have been adjusted for merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, SNV, TFC, USB. Other peers include CMA, KEY, ZION. Peer median excludes RF.",
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