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  "documentTitle": "Barclays H12023 Results Presentation",
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      "text": "Recent macroeconomic developments are driving changes in customer behaviour: More persistent inflation, Higher base rate expectations, Increased swap rates. Customers are managing their finances rationally by: Using surplus deposits to pay down debt and manage their expenses, Seeking higher yields on their savings. Current view of around 315bps, reflects impact of lower expected deposit balances and deposit repricing. Guidance is sensitive to level and mix of deposit balances and further changes in expectations for base rates and inflation.",
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      "text": "FY23 NIM expected to be <3.20%, with a current view around 3.15%",
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