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  "presentationDate": "2023-01-01 00:00:00",
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  "notes": "Includes a stacked bar chart showing components of provision for credit losses over time.",
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      "text": "FY'23 considerations: Weightings applied to Moody's December economic scenarios (40% baseline, 30% downside, 30% upside)",
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      "text": "Pressured public and private markets, Larger Growth Stage/Sponsor-Led Buyout loan sizes, CRE loans acquired from Boston Private, High-quality loan mix, Stronger client balance sheets",
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      "text": "Q4'22 activity: Increase in QoQ NCOs (+$13M), NPLs (+$55M) and Criticized (+$230M) reflect current market challenges",
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      "text": "While prolonged market volatility likely increases credit losses and NPLs from historic lows, still expect overall healthy credit performance (expect 15-35 bps Q1'23 and FY'23 NCOs)",
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