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      "text": "1. Strong EPS, ROE and ROA performance. 2. Solid net interest income and NIM performance. 3. Another quarter of PPNR growth leading to further improvement in the efficiency ratio. 4. Loan growth was strong in the General and Commercial Bank segments. 5. Sustained deposit growth momentum driven by the Direct Bank channel. 6. Continued low levels of private equity/venture capital activity remain a headwind for loan and deposit growth in the SVB segment. 7. Net charge-offs increased during the quarter driven by continued headwinds in the general office and the innovation portfolios. 8. Office-related CRE exposure remains limited and CRE-related reserve build continued. 9. Maintained a strong balance sheet position in terms of capital and liquidity due to strong earnings and deposit growth. 10. Continued to implement, review and develop plans for the large bank program and proposed regulatory changes.",
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