Investor Presentaiton
4Q 2023 Preliminary Results
Funding and Liquidity
Core funded with stable deposits and strong liquidity position
Funding Composition
(End of Period)
Unsecured Debt
FHLB / Other
Secured Debt
Total Deposits
Total Available Liquidity
($ billions)
Cash and Equivalents
FHLB Unused Pledged Borrowing Capacity
FRB Discount Window Pledged Capacity
44%
2014
Unencumbered Highly Liquid Securities
$63.5
$6.5
$51.3
$10.3
$14.9
$26.0
$8.9
85%
88%
$24.9
$2.1
$21.7
62%
$5.0
$3.8
$6.5
$1.7
$24.8
$1.9
$20.6
$1.9
$7.9
$10.6
2017
2020
2023
2014
2017
2020
2023
Loan to Deposit Ratio (1)
(1)
205%
141%
Total loans and leases divided by total deposits.
94%
98%
Available Liquidity vs. Uninsured Deposits
5.9x
2.3x
4.1x
5.5x
Note: Excludes estimated incremental funding capacity if securities were pledged to Bank Term Funding Program at par
relative to market value (~$1.7B).
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