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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "Includes a table of NII shock scenarios, a pie chart of loan maturity, and a bar chart comparing historical vs. forecasted deposit betas.",
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      "text": "Peak IB NM deposit beta increased from 36% to 41% and peak total deposit beta increased from 32% to 35%. Increase in estimated betas driven by continued shift in deposit mix and persistent deposit competition.",
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      "text": "Balance sheet remains asset-sensitive, progressing towards becoming more rate neutral. A +100 bps rate shock for Year 1 is down to +1.6% from +2.2% in 2Q23. A -100 bps rate shock for Year 1 is -1.9%; up from -2.6% in 2Q23.",
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      "text": "Actively Managing Asset-Sensitive Balance Sheet",
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