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  "documentTitle": "The Reinvention of Retail Banking: How focused business models can unlock value",
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  "notes": "The slide highlights the divergence in performance between major banks and smaller players (challengers, specialists, neobanks) following interest rate changes.",
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      "text": "Impetus for change: Whilst shareholder returns have increased since 2021, the major banks still face challenges from a cost and customer experience perspective...",
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      "text": "Whilst shareholder returns have increased since 2021, the major banks still face challenges from a cost and customer experience perspective, which is explored further below.",
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      "text": "2018-2019; 2022-2024",
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      "text": "The biggest winners from this base rate increase have been the major banks... By contrast, Specialist Lenders and Challenger Banks have faced a larger increase in cost of funds...",
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      "text": "Return on Equity (RoE) of UK Banks (2018-2024)",
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