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      "text": "The relevance of the SICR trigger on overall ECL is demonstrated in the table below with the indication that the ECL allowances and provisions for stage 1 and stage 2 positions would have been USD 1,060 million if all non-impaired positions across the portfolio had been measured for lifetime ECLs.",
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      "text": "Potential effect on stage 1 and stage 2 positions from changing scenario weights or moving to an ECL lifetime calculation as of 31 December 2021",
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      "text": "Note 20 Expected credit loss measurement (continued)",
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