{
  "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": 58,
  "pageCount": 61,
  "prevPage": 57,
  "nextPage": 59,
  "slideType": "data_table",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 24,
  "notes": "Contains two charts: a bar chart for NPL coverage ratios and a stacked bar/scatter chart for loan moratoria.",
  "elementsJson": [
    "bar_chart_vertical",
    "bar_chart_stacked",
    "paragraph",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b636-5bdb4b29bc2d/58",
  "deckHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d#slide-58",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "At the end of 2020, the average NPL coverage ratio across CEE countries in our report stood at 56.2% (or 52.4% excluding the Ukraine) and 11.3% points higher than the EU average of 44.9%.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-c239-70c0-95ff-45f7d0f149c1",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.22,
        "w": 0.45,
        "x": 0.03,
        "y": 0.64
      },
      "kind": "chart",
      "text": "Loan Moratoria by country",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "af5b8f57-f628-4db2-b300-73cb72ec7ac2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.22,
        "w": 0.45,
        "x": 0.03,
        "y": 0.22
      },
      "kind": "chart",
      "text": "NPL Coverage Ratios by country",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c92f899b-fb6f-4dd4-82a5-3abe42cb5afc",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "NPL Coverage Ratio: 56.2%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-c239-70c0-95ff-483b43ab3ae5",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.45,
        "x": 0.52,
        "y": 0.19
      },
      "kind": "paragraph",
      "text": "As elsewhere in Europe, the extent of the economic damage across the CEE region as a result of the pandemic and the effect on asset quality are highly dependent on several factors...",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "961b87ad-8eb9-46dc-853b-ae6d0015b004",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.45,
        "x": 0.52,
        "y": 0.19
      },
      "kind": "paragraph",
      "text": "The opposite is true for countries such as Bulgaria and even more particularly Romania, which is not likely to return to 2015-2018 levels of activity until a favourable change in the tax treatment of NPL sales...",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a0974406-0c1f-4544-8713-0efbac0c7dba",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.45,
        "x": 0.52,
        "y": 0.45
      },
      "kind": "paragraph",
      "text": "NPL outlook: Despite banks in the CEE region being in a more robust shape than they were during the 2008-2009 financial crisis, we anticipate that the pandemic-induced stress will lead to a significant uptick in NPL volumes...",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d732bb9d-e7e3-42aa-ba8f-3fd0d7c3e049",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.3,
        "x": 0.03,
        "y": 0.61
      },
      "kind": "title",
      "text": "Overview of Loan Moratoria Across CEE (€bn)",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "2eb73192-da61-4e36-abc6-18a1b3b457bd",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.25,
        "x": 0.03,
        "y": 0.19
      },
      "kind": "title",
      "text": "Coverage Ratios of NPLs Across CEE (%)",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "e118bae2-14bc-4c52-926c-49e4c82724c5",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [
    {
      "metricRaw": "NPL Coverage Ratio",
      "numberRaw": "56.2%",
      "numberKind": "percent",
      "actionTitle": null,
      "calloutText": "At the end of 2020, the average NPL coverage ratio across CEE countries in our report stood at 56.2% (or 52.4% excluding the Ukraine) and 11.3% points higher than the EU average of 44.9%.",
      "numberScale": null,
      "numberValue": 56.2,
      "metricFamily": "rate_catchall",
      "numberCurrency": null
    }
  ],
  "tools": [
    {
      "name": "Data-Ink Ratio",
      "slug": "data-ink-ratio",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "9eb3e8e2-d956-49c8-884b-11a97018bb67",
      "evidence": "The use of a clear and simple table and charts to display data",
      "confidence": 0.7
    }
  ],
  "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
}