{ "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": 8, "pageCount": 61, "prevPage": 7, "nextPage": 9, "slideType": "data_table", "function": "analyze_data", "density": "overcrowded", "nDataPoints": 35, "notes": "Contains three distinct charts: NPL Ratio, Loan Loss Provisions, and Stage 2 Loans, with accompanying commentary on banking sector trends.", "elementsJson": [ "bar_chart_grouped", "bar_chart_stacked", "paragraph", "photo" ], "metadataConfidence": 1, "imagePath": null, "slideHref": "/slides/019dd923-5ca1-7489-b636-5bdb4b29bc2d/8", "deckHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d", "deckJsonHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d.json", "deckAnchorHref": "/decks/019dd923-5ca1-7489-b636-5bdb4b29bc2d#slide-8", "components": [ { "bbox": null, "kind": "callout", "text": "Reversing years of steady decline since the GFC, NPL volumes at the five main banks increased during 2020, rising by 9.9% to £45.2bn (£50.5bn) since the end of 2019.", "attrs": null, "subkind": null, "toolName": "Visual emphasis", "toolSlug": "visual-emphasis", "confidence": null, "componentId": "019dd951-c239-70c0-95f9-65b86511dbd0", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.5, "w": 0.22, "x": 0.52, "y": 0.19 }, "kind": "chart", "text": "Top 5 UK Banks Stage 2 Loans (£bn)", "attrs": null, "subkind": "bar-grouped", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "83d56610-cf03-4b39-9ebb-88bc2b2d02f1", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.5, "w": 0.22, "x": 0.255, "y": 0.19 }, "kind": "chart", "text": "Top 5 UK Banks Loan Loss Provisions (£bn)", "attrs": null, "subkind": "bar-stacked", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "234939ad-1ef6-4a80-900f-9a0d4f419dbe", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.25, "w": 0.22, "x": 0.025, "y": 0.36 }, "kind": "chart", "text": "Top 5 UK Banks NPL Ratio (%)", "attrs": null, "subkind": "bar-stacked", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "a409d70b-06a2-4038-84b7-01f4e8b070be", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.72, "w": 0.22, "x": 0.75, "y": 0.18 }, "kind": "image", "text": "Bank of England building", "attrs": null, "subkind": "photo", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "c309c5a5-024f-4dfa-ab53-c4a175cda9a0", "frameworkName": null, "frameworkSlug": null }, { "bbox": null, "kind": "metric", "text": "NPL Ratio: 2.7%", "attrs": null, "subkind": "primary", "toolName": "Quantification", "toolSlug": "quantification", "confidence": null, "componentId": "019dd951-c239-70c0-95f9-687b5656b34c", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.3, "w": 0.22, "x": 0.52, "y": 0.6 }, "kind": "paragraph", "text": "Bank of England data indicates that consumer lending fell in 2020, whilst mortgage and corporate lending increased...", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "3bf9caf5-27ea-4117-ad03-278385373f0a", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.22, "x": 0.025, "y": 0.77 }, "kind": "paragraph", "text": "UK banks, like their European counterparts, increased loan loss provisions substantially...", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "5735a505-4370-4350-ade6-5b095acf6bbc", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.22, "x": 0.025, "y": 0.22 }, "kind": "paragraph", "text": "Reversing years of steady decline since the GFC, NPL volumes at the five main banks increased during 2020...", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "f03aad48-8cb3-4ac5-9cf7-19fa12e8f879", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.22, "x": 0.255, "y": 0.77 }, "kind": "paragraph", "text": "More loans were classified as Stage 2 when the economic outlook deteriorated...", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "fa3da1b7-1bce-4e6d-bfe2-cea4dafc4ca8", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.02, "w": 0.45, "x": 0.025, "y": 0.74 }, "kind": "source-note", "text": "Source: Company Financial YE reports, Deloitte analysis", "attrs": null, "subkind": null, "toolName": null, "toolSlug": null, "confidence": null, "componentId": "76c5be72-d182-4d57-94f9-2ba8fafb7b9e", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.02, "w": 0.03, "x": 0.025, "y": 0.19 }, "kind": "title", "text": "UK", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "ff051779-7894-45f3-b993-8e50c8534688", "frameworkName": null, "frameworkSlug": null } ], "metrics": [ { "metricRaw": "NPL Ratio", "numberRaw": "2.7%", "numberKind": "percent", "actionTitle": null, "calloutText": "Reversing years of steady decline since the GFC, NPL volumes at the five main banks increased during 2020, rising by 9.9% to £45.2bn (£50.5bn) since the end of 2019.", "numberScale": null, "numberValue": 2.7, "metricFamily": "rate_catchall", "numberCurrency": null } ], "tools": [], "frameworks": [], "arcBeats": [ { "to": 12, "from": 7, "beatId": "b4fcbd07-3fe2-43a6-a894-a967ed3101f6", "arcName": "The Consultant's Gambit", "arcSlug": "consultants-gambit", "beatName": "Problem & Complication", "beatSlug": "consultants-gambit-problem-complication", 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