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  "presentationDate": "2023-04-01 00:00:00",
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  "notes": "Includes two scenario tables showing NII impact across -200 to +200 bps shifts.",
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      "text": "The decrease in the base case modeled NII is due to an adverse shift in the funding mix... The NII sensitivity profile is largely unchanged... Base-rate is a static balance sheet... Stable core funding base... 30.9% of assets reprice... Continually evaluating strategies...",
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      "text": "Simulation analyses calculate the change in net interest income over the next twelve months, under immediate parallel shifts in interest rates, based upon a static statement of financial condition, which includes derivative instruments, and does not consider loan fees.",
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      "text": "Interest Rate Risk Management",
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