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  "documentTitle": "United Community Banks | Results Presentation Deck | 24 slides",
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  "authorName": "United Community Banks",
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  "presentationDate": "2022-10-01 00:00:00",
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      "text": "Net Interest Income Sensitivity",
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      "text": "4.45% asset sensitivity in +100 bps ramp; down from 4.85% asset sensitivity in 2Q22\nOne 25 bp Fed rate hike is worth approximately 4.5 bps to net interest margin\n21% Beta assumed for discretionary non-maturity deposits\nOther relevant data points\nApproximately $7.0 billion or 47% of total loans are variable rate and 42% of total loans are floating or reprice or mature within one year\nThe differential between variable and floating is mainly ARMs that are variable but reprice outside of one year",
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