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      "text": "Slide 14 – High-quality loan portfolios\n1. Refinitiv\n2. Includes Corporate Client Banking Real Estate\nSlide 15 – Maintaining risk discipline – C&I\n1. The Firm considers internal ratings equivalent to BB+/Ba1 or lower as non-investment grade\n2. Portfolios based on sub-LOB are not regulatory definitions; totals may not sum due to rounding and are based on committed exposure\n3. Peer average based on CB-equivalent CRE segments or wholesale portfolios at BAC, CMA, FITB, KEY, PNC, USB, WFC, which may not fully align with CB segmentation\nSlide 16 – Maintaining risk discipline – CRE\n1. Loan to value (LTV) and debt service coverage (DSC) are weighted average calculations of multifamily Commercial Term Lending portfolio for FY 2022\n2. Portfolios based on sub-LOB are not regulatory definitions; totals may not sum due to rounding and are based on committed exposure\n3. Peer average based on CB-equivalent CRE segments or wholesale portfolios at BAC, CMA, FITB, KEY, PNC, USB, WFC, which may not fully align with CB segmentation\nSlide 17 – Strong operating efficiency while investing in our franchise\n1. Adjusted expense represents total CB noninterest expense less CB legal expense of $1.7mm for FY 2021 and $5.1mm for FY 2022, respectively\n2. Peer average based on CB-equivalent segments at BAC, CMA, FITB, KEY, PNC, TFC and WFC",
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