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  "documentTitle": "Silicon Valley Bank | Results Presentation Deck | 32 slides",
  "authorId": "silicon-valley-bank",
  "authorName": "SVB Financial Group",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2020-04-01 00:00:00",
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  "pageNumber": 19,
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  "nDataPoints": 14,
  "notes": "Includes two waterfall charts showing the bridge from Q4'19 to Q1'20 for NII and NIM.",
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      "kind": "chart",
      "text": "NET INTEREST INCOME Millions",
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      "text": "NII and NIM expected to be impacted by: Balance sheet growth, Temporary impact from SBA PPP, Lower rate environment, Higher average cash target, Loan mix shift, Potential spread widening, Rate protections, Shift to noninterest-bearing deposits, Declining deposit costs",
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      "kind": "source-note",
      "text": "1. Unwound $5B swaps in Q1'20 resulting in $227M pretax fair value gain in OCI to be reclassified to loan interest income over next 1-5 years. 2. $11M decrease in loan fees. 3. Actual balances depend on timing of fund flows.",
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      "text": "Expect Q2'20 NII to be between $490-$520M and Q2'20 NIM to be between 2.90-3.05%",
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      "kind": "title",
      "text": "Stable NII as balance sheet growth, rate protections and deposit repricing offset impact of rate cuts",
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