2023 Fourth Quarter Investor Presentation
Commercial Deposit Relationships Bolstered by
Off Balance Sheet Liquidity Management Solutions
Commercial Off B/S Overview
2019: Enhanced off B/S liquidity
solutions for commercial customers
Provides customers with access to
incremental solutions, including
treasuries, money market, and
bond funds
Maintains full relationship with
sophisticated deposit customers
Better manage higher beta and more
unpredictable/large deposit flows
(i.e., non-operational)
Total Commercial Banking Segment Liquidity (Average)
Annually
YOY
$55.1
$56.9 $58.1
$60.0
$52.2
Total
+15%
$46.5 $44.9 $45.9
$48.3
$34.3 $35.6
$38.3 $40.4
$16.3
$18.8 $20.6 $22.3 $23.3
$14.4
$13.7 $13.4
$13.9
Off B/S
+43%
$13.9
$12.7
$14.0
$13.4
$32.1 $31.2 $32.5 $34.4 $35.9 $36.3 $36.3 $35.8 $36.7
$20.9 $22.9 $24.3 $26.5
On B/S
+2%
2019 2020 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23
On Balance Sheet Deposits
Off Balance Sheet Liquidity Solutions
Commercial Banking Segment
Customer Deposits / Liquidity (EOP)
Maintains on balance sheet deposits
focused on core operating accounts
Leveraged liquidity solutions over
past two years to manage excess
customer liquidity off balance sheet
to protect from surge deposit run-off
Ending
3/31/23
6/30/23
9/30/23
On B/S
$34.7
$36.5
$36.0
Off B/S
$21.7
$22.1
$25.8
Total
$56.4
$58.6
$61.8
Note: $ in billions unless otherwise noted
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