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  "documentTitle": "AM EBA ST 2023 Results First Glance Analysis vf2 v1",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses a stacked bar format to show CET1 post-stress vs. minimum requirements over time.",
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      "text": "2023 EBA Stress Test impact shows less capital depletion compared to ST'21 (measured as 2022 CET1 to adverse FL) (459bps vs. 485bps). Also, capital flexibility shows better results (488bps vs. 466bps).",
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      "text": "CET1 Ratio: 459bps",
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      "text": "2023 EBA Stress Test impact shows less capital depletion compared to ST'21 (measured as 2022 CET1 to adverse FL) (459bps vs. 485bps). Also, capital flexibility shows better results (488bps vs. 466bps).",
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      "kind": "title",
      "text": "1. EBA Stress Test Impacts",
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