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  "notes": "Includes summary of credit performance, market commentary, portfolio composition, and historical loss data.",
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      "text": "Note: Metrics are as of December 31, 2022 unless otherwise noted. For footnoted information, refer to slides 23-24",
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      "text": "Monitoring impact of market liquidity on pricing and yields; Office: ~9% of CRE exposure; Construction: ~8% of CRE exposure, excluding Affordable Housing",
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      "text": "Strong credit performance – FY 2022 NCOs of ~$1mm; Focused on asset classes with strong through-the-cycle performance; Over 60% of loans in Commercial Term Lending multifamily portfolio; Minimal exposure in hospitality, homebuilders, condos, and land",
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      "text": "Maintaining risk discipline – CRE",
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