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  "documentTitle": "2023 EU Wide EBA Stress Test Our First Glance at Results",
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  "notes": "The table provides a granular breakdown of credit risk metrics under adverse 2025 scenarios.",
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      "text": "A deep dive on credit risk impacts shows Corporates SME and Retail Secured by real estate property – Non-SME as most sensitive asset classes measured by Provision Multipliers for Stage 2 and 3.",
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      "text": "Provision Multiplier: 38.7%",
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      "text": "Note: Average annual cost of risk = average annual impairments / EAD where average annual impairments = 3Yaverage impairments / 3",
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      "text": "1. EBA Stress Test Impacts",
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