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  "documentTitle": "AM EBA ST 2023 Results First Glance Analysis vf2 v1",
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  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses a 2x2 matrix structure to categorize banks based on median values of P2G and Excess Capital.",
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      "text": "Scatter plot of P2G vs Excess Capital",
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      "text": "Excess Capital: 4.2%",
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      "kind": "source-note",
      "text": "Note: Graphs divisions in banks distribution median. Note: Excess Capital = CET1 2022 - Total Capital Required (SREP Requirement + implied P2G). 2023 EBA Stress Test Results | July 2023",
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      "text": "Assuming the 2021 EBA Stress Test Methodology, P2G drives winners and losers in the dividend reset race.",
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      "text": "2. Potential for Capital Distribution - Dividends and Buybacks",
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