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  "documentTitle": "HSBC | Credit Presentation Deck | 45 slides",
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  "presentationDate": "2022-02-01 00:00:00",
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  "notes": "The slide uses a waterfall bridge to explain the 0bps change in NIM, alongside a combo chart showing NII and NIM trends over five quarters.",
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      "text": "Discrete quarterly reported NIM, Reported NII, $m, of which: significant items, Average interest earning assets, $bn",
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      "text": "4Q21 reported NII of $6.8bn, up $0.2bn (3%) vs. 3Q21; mainly driven by higher yields on customer loans as well as growth in AIEAs. 4Q21 NIM of 1.19% was unchanged from 3Q21. Significantly improved interest rate outlook.",
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      "text": "Net interest income and margin",
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