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  "documentTitle": "2022 consumer community banking investor day",
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      "text": "1. Total Net Interest Margin divided by interest bearing outstandings\n2. Source: Experian; reflects growth in share of industry new account originations",
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      "text": "Our channels are getting more productive\n9 ppts Increase in share of branded card acquisitions through Chase-owned channels in '21 vs. '19 (+500k accounts)\nOur targeting capabilities are more efficient\n7 ppts Increase in accounts originated from a pre-screened offer in '21 vs. '19 (+600k accounts)\nOur decision engine is getting more precise\n74 bps Increase in revolving yield aided by risk-based pricing and line strategies in '21 vs. '19",
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