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  "documentTitle": "Client Creditor Overview July 2023",
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      "text": "Resilient balance sheet; Liquidity reserves account around a quarter of net balance sheet; Conservative loan-to-deposit ratio provides room for further growth; Highly diversified and stable funding profile with 58% of net balance sheet funded via deposits.",
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      "text": "Note: Net balance sheet of € 1,019bn is defined as IFRS balance sheet (€ 1,307bn) adjusted to reflect the funding required after recognizing legal netting agreements (€ 187bn), cash collateral received (€ 35bn) and paid (€ 23bn), and offsetting pending settlement balances (€ 43bn); for footnotes refer to slides 29 and 30",
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