{
  "docId": "019dd923-5ca1-7489-b636-5bdb4b29bc2d",
  "docSlug": "cb70fa2fdc72b67f",
  "documentTitle": "Deleveraging Europe",
  "authorId": "Deloitte",
  "authorName": "Deloitte",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "square",
  "aspectRatio": 1,
  "pageNumber": 56,
  "pageCount": 61,
  "prevPage": 55,
  "nextPage": 57,
  "slideType": "regional_insights",
  "function": "establish_context",
  "density": "overcrowded",
  "nDataPoints": 44,
  "notes": "The chart uses a dual-axis approach (bars for volumes, diamonds for ratios). Ukraine is excluded from the chart due to high NPL levels.",
  "elementsJson": [
    "photo",
    "paragraph",
    "bar_chart_grouped",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b636-5bdb4b29bc2d/56",
  "deckHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d#slide-56",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "The stock of NPLs down by €13.7bn over the past 5 years, to €31.1bn as of Q4 2020.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-c239-70c0-95fe-94b6bc179bb9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.38,
        "w": 0.454,
        "x": 0.526,
        "y": 0.42
      },
      "kind": "chart",
      "text": "Effect of COVID-19 on NPL volumes (€bn) and NPL ratios (%) across CEE",
      "attrs": null,
      "subkind": "bar-grouped",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a35ffefa-7d57-4830-a996-4771edb02fbd",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.948,
        "w": 0.486,
        "x": 0.014,
        "y": 0.026
      },
      "kind": "image",
      "text": null,
      "attrs": null,
      "subkind": "photo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "939e29a5-90df-449c-a8cf-f2d60370c823",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "NPL ratio: 3.2%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-c239-70c0-95fe-981ed5b218e4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.084,
        "w": 0.454,
        "x": 0.526,
        "y": 0.286
      },
      "kind": "paragraph",
      "text": "The above measures, combined with a boost in demand for housing loans... has led to a marked fall in the average NPL ratio... Nevertheless, the picture is far from uniform, with several countries continuing to see high NPL ratios.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7b337583-85e9-471a-b4d0-8dca01abfdbb",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.084,
        "w": 0.454,
        "x": 0.526,
        "y": 0.186
      },
      "kind": "paragraph",
      "text": "Following the GFC in 2008-09, the European Central Bank and national banks across the CEE region introduced several schemes and measures to support economic recovery and tackle underperforming assets on banks' balance sheets.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "af928e51-7873-4eaa-aaf4-6df3a22f6609",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.454,
        "x": 0.526,
        "y": 0.854
      },
      "kind": "source-note",
      "text": "Source: Q4 2020 EBA Risk Dashboard. Note: For scale purposes, Ukraine is not presented on the chart given its very high NPL levels.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "dfc889cc-ede4-4168-a519-0b3ac56b3c78",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.033,
        "w": 0.315,
        "x": 0.526,
        "y": 0.106
      },
      "kind": "title",
      "text": "Central & Eastern Europe",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7b1cfde5-8b5b-46f7-b8d4-0f9e0cf4f6fb",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [
    {
      "metricRaw": "NPL ratio",
      "numberRaw": "3.2%",
      "numberKind": "percent",
      "actionTitle": null,
      "calloutText": "The stock of NPLs down by €13.7bn over the past 5 years, to €31.1bn as of Q4 2020.",
      "numberScale": null,
      "numberValue": 3.2,
      "metricFamily": "rate_catchall",
      "numberCurrency": null
    }
  ],
  "tools": [
    {
      "name": "2x2 matrix",
      "slug": "matrix-2x2",
      "agent": null,
      "layer": "slide",
      "matchId": "71ca0f7b-57ae-4676-a72d-ae3e08a74c2e",
      "evidence": "The use of grouped bar charts to compare data across countries",
      "confidence": 0.5
    }
  ],
  "frameworks": [],
  "arcBeats": [],
  "loops": [
    {
      "to": 61,
      "from": 3,
      "name": "Tale Two Worlds",
      "slug": "04-tale-two-worlds",
      "bestFor": "Competitive analysis, benchmarking, case for change",
      "matchId": "c08a30e0-a357-432d-8459-5fd63a148514",
      "evidence": "The report contrasts the current market situation with potential future opportunities.",
      "position": 0,
      "objective": "To present a comprehensive overview of the European deleveraging landscape.",
      "structure": "Current State -> Desired State / Benchmark -> The Gap & Implication",
      "confidence": 0.7,
      "description": "Show the gap between two states to drive urgency or highlight opportunity"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}