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      "text": "An amount of USD 25 million related to the Large corporate clients segment in the Investment Bank. The remainder related to various segments in Personal & Corporate Banking and Global Wealth Management.",
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      "text": "During 2021, the model review and enhancement process led to adjustments of the probability of default (PD), loss given default (LGD) and credit conversion factor (CCF) models, resulting in a USD 45 million decrease in ECL allowances.",
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      "text": "The narrative of the hypothetical severe downside scenario, which is the Group's binding stress scenario, has been adapted and assumes that, while the immediate risks from COVID-19 have decreased, the associated disruptions remain critical.",
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