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  "documentTitle": "IFRS 9 Impairment Banking Survey",
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      "text": "Approximately 90% of all exposure types are classified as stage 1.",
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      "text": "Approximately 90% of all exposure types are classified as stage 1. The remainder of exposures are split 8% for stage 2 and 2% for stage 3 assets. This applies to both retail and wholesale exposures. Overdrafts, credit cards and SMEs comprise the largest proportion of stage 2 assets. Most UK and Canadian banks have 1% (or under) of assets in stage three. We would expect to see higher stage 2 and 3 exposures in countries that experienced a greater impact from the global financial crisis.",
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      "text": "1. Impact assessment – stage allocation",
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