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  "documentTitle": "Client Creditor Overview Q3 2023 incl S&P update",
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      "text": "Resilient balance sheet; Liquidity reserves account for around a quarter of net balance sheet; Conservative loan-to-deposit ratio provides room for further growth; Highly diversified and stable funding profile with ~60% of net balance sheet funded via deposits.",
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      "text": "Resilient balance sheet; Liquidity reserves account for around a quarter of net balance sheet; Conservative loan-to-deposit ratio provides room for further growth; Highly diversified and stable funding profile with ~60% of net balance sheet funded via deposits; Deposits include € 340bn demand deposits, € 187bn time deposits and € 85bn saving deposits",
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